Our mission at Trades & Labor Federal Credit Union is to provide financial products, services, and education enabling members to achieve personal and financial goals to benefit their quality of life.

Rates
New Vehicle as low as 2.49%
Used Vehicle as low as 3.49% Used
Personal as low as 8.99%
Home Equity as low as 5.00%

Rates & Fees

Effective as of: 03/01/2019
Fees
Credit Union Membership
Membership Share ....................... $20.00
Share Savings Account Fees
Re opening fee ....................... $20.00 per occasion
(if reopened within ninety(90) days of closure)
Account Closure fee .......................$20.00
(if closed within ninety(90) days of opening account)
Inactive Account/Dormant fee .......................$25.00 per QTR after 12 months
Share Draft Accounts Fees
Overdraft fee .......................$25.00 per item
Returned Item fee .......................$25.00 per item
Stop Payment fee .......................$20.00 per request
Share Draft Copy Fee .......................$2.00 per check
Share Draft Printing fee .......................Prices depend on style
System Transfer Fee .......................Drafts $2.00 per day
.......................Ach $2.00 per day
Other Service Fees (applicable to all accounts)
Returned Mail Fee .......................$1.00 per item
Returned Fee on Presented Check .......................$25.00 per check
Account Reconciliation fee .......................$10.00 per account
Account Research fee .......................$15.00 per hour
Non-member notary .......................$5.00
Statement Copy fee .......................$5.00 per month
Transaction Printout prior to statement .......................$2.00 per printout
Money Order fee ....................... $2.50 per money order
Fax Fee .......................0.50 per page
Electronic Funds Transfer Fees
Return fee .......................$25.00
Stop Electronic Payment fee .......................$20.00
Outgoing Wires Domestic Only .......................$20.00
No International Allowed
Loan Fees
Late fee after 15 days .......................$20.00
Processing Fee on 90 day notes ....................... $25.00
Title Processing Fee .......................$15.00 per vehicle
UCC Filing Fees ....................... $25.00
Origination Return Fee .......................$25.00
Duplicate Lien Release........................$5.00
Overnight Mailing Fee .......................$40.00
Any additional loans fees are
disclosed at time of loan.
VISA Products
Shazam Debit Card
New and Replacement ....................... $5.00
 
Prepaid Debit PayCard
Initial Card Fee .......................$8.00
Transfer Fee ....................... $4.00 (min transfer $20.00)
 
VISA Credit Card
Late Payment fee .......................$20.00
Return Check fee .......................$20.00
Card Replacement fee ....................... $5.00
Statement Copy fee ....................... $5.00
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