Boulder Municipal Employees Federal Credit Union
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Rates & Fees Directory

Last update September 12, 2013

Investment Rates

$2,500 minimum opening deposit; withdrawals subject to EFT regulations.

APY = Annual Percentage Yield.
*$500 minimum balance; withdrawals may be subject to penalty of up to 90 days of dividend for a 12month or less term and 180 days for all other terms.
**Early withdrawals may be subject to a penalty of 180 days of dividends.

Loan Rates

*Click here for Loan Disclosures: Credit Agreement/Truth in Lending or Home Equity Line of Credit Disclosures

APR = Annual Percentage Rate. Loans are subject to credit approval. Loan rates and terms are based on credit worthiness and collateral. All rates and terms subject to change without notice. Please call for current rates, terms and details.

Fee Schedule

Fee Schedule Effective February 15, 2014

Share Draft Account Fees
NSF/Courtesy Pay Fee (Draft, ACH) $35.00/item
NSF (Debit Card) $35.00/item
Stop Payment on One or More Drafts $35.00/request
Stop Payment on ACH Debit $35.00/request
Share Draft Copy $3.00 each draft, Free Online
Other Service Fees (applicable to all accounts)
Account Research/Reconciliation $30.00/hour, 1 hour minimum
Statement Copy $1.00/page, Free Online
Deposited Item Return $12.00/item
Deposit of Self-to-Self Item Return $35.00/item
Domestic/Western Union Wire (Outgoing) $20.00/transfer
International Wire $40.00/wire
Wire Transfer (Incoming) $10.00/transfer
Garnishments/Levies $65.00
Credit Union Check $3.00 unless payee is member
Money Order $2.00 each
Update NSF Account/Certegy Card File $2.00/change
Collection Item $15.00
Signature Guarantee $30.00 by appointment only
Notary Member Free
Notary Non-Member $5.00
Paper Statement $3.00, FREE online
ATM Deposit Adjustment $10.00/adjustment
Empty ATM/Deposit Envelope $35.00
Bad Address $5.00/month
Stop Payment on Official Check $35.00 for filing a lost claim on BME official check
Check Cashing $5.00 for in-active accounts and "On-Us" checks
Coin Counting 5% of amount over $200.00
Foreign Drafts $10.00
Verification of Deposit $10.00
Inactive Account (for members over 18) $10.00/month after 12 months
IRA Annual Maintenance Fee $10.00
IRA/Health Savings Account Opening $25.00
IRA/Health Savings Account Closure $25.00
Re-Opening of an Account $20.00
Early Account Closure $20.00, within first 60 days
Account Closed by Credit Union $25.00
Administration Fee on Escheat Accounts $25.00 or 2%, whichever is less
Internet Account Access FREE
Internet Bill Payment FREE and unlimited
E-Statements FREE
Mobile Banking FREE
Electronic Funds Transfer Fees
ATM Withdrawals First 8 free per month, thereafter $3.00 per withdrawal
Card Fees  
Debit Card No Annual Fee
Debit Card Sales Draft Copy $12.00/copy
PIN Number Reissue $5.00

International Card Transaction

1% of transaction amount

Rush Order on all ATM/Debit Replacement Cards


Rush Order Credit Card Requested Regular

Rush Order Credit Card Requested Overnight

Rush PIN Request for Debit/Credit

Replacement/Additional Cards





ATM Card Annual Fee $15.00
Gift Card Issuance


Share Value/Membership Fee
Par Value of One Share $5.00
Membership Fee $1.00 - one time only charge
Non-Real Estate Loan Modification $30.00
Late Fee on Delinquent Auto Loans after a Ten Day Grace Period $15.00
Late Fee on all other Delinquent Loans after a Ten Day Grace Period $25.00 or 3%, whichever is greater
First Mortgage Loan Modification $500.00

The rates and fees appearing with this schedule are accurate and effective for accounts as of the effective date indicated on this Truth-in-Savings Disclosure. If you have questions or require current rate and fee information on your accounts, please call the Credit Union.

First Mortgage Loan Modification Fee of $500 does not apply to Higher-Priced Mortgage Loans, as defined by the Consumer Financial Protection Bureau.


FaceBook Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.