Boulder Municipal Employees Federal Credit Union
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Rates & Fees Directory

Last update March 15, 2012

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, 2011

Share Draft Account Fees
NSF/Courtesy Pay Fee (Draft, ACH) $35.00/item
NSF (Debit Card) $35.00/item
Stop Payment on One Draft $35.00/request
Stop Payment on ACH Debit $35.00/request
Share Draft Printing Prices vary depending on style
Share Draft Copy $3.00 each draft, Free Online
Other Service Fees (applicable to all accounts)
Account Reconciliation $30.00/hour, 1 hour minimum
Account Research $30.00/hour, 1 hour minimum
Mailed Statement $2.00/ea, Free e-statements
Statement Copy $1.00/page, Free Online
Deposited Item Return $10.00/item
Wire Transfer (Incoming) $5.00/transfer
Domestic Wire (Outgoing) $20.00/transfer
International Wire $40.00/wire
Western Union Wire $20.00/wire
Garnishments/Levies $65.00
Credit Union Check $3.00 unless payee is member
Deposit of Self-to-Self Item Return $35.00 self-to-self/another financial institution
Money Order $2.00 each
PIN Number Reissue $5.00
Replacement/Extra Card $15.00
Debit Card Sales Draft Copy $12.00/copy
International Card Transaction 1%
Update NSF Account/Certegy Card File $2.00/change
Collection Item $15.00
Signature Guarantee $15.00 by appointment only
Notary Member Free
Notary Non-Member $5.00
Early Account Closure $20.00, first 60 days
IRA Account Closure $25.00
Account Closed by Credit Union $25.00
ATM Card Annual Fee $15.00
Gift Card Issuance $5.00/card
ATM Adjustment $7.00/adjustment
Empty ATM/Deposit Envelope $35.00
Bad Address $5.00/month
Stop Payment on Official Check $35.00 for filing claim on BME official check
Check Cashing $5.00 for non-active members and "On-Us" checks
Coin Counting 5% of amount if total over $200.00
Foreign Drafts $10.00
Verification of Deposit $10.00
Inactive Account $10.00/month after 12 months
IRA Account Opening $25.00
Health Savings Account Opening $25.00
Health Savings Account Closure $25.00
Re-Opening of an Account $20.00
Excessive Transfers from Money Market Account $5.00/each over 6
Administration Fee on Escheat Accounts $25.00
Non-Real Estate Loan Modification $30.00
Cash Advances for Non-Members $15.00
Internet Account Access FREE
Internet Bill Payment FREE and unlimited
Electronic Funds Transfer Fees
ATM Withdrawal at BME ATMs First 8 free, then $3.00/ withdrawal
ATM Withdrawal at Co-Op ATMs First 8 free, then $3.00/ withdrawal
ATM Withdrawal at Other ATMs First 4 free, then $4.00/ withdrawal
Debit Card Annual Fee Free
Rush Order on a Card $30.00
Share Value/Membership Fee
Par Value of One Share $5.00
Membership Fee $1.00 - one time only charge
Late Fee on Delinquent Auto Loans with a Ten Day Grace Period $15.00
Late Fee on all other Delinquent Loans with a Ten Day Grace Period $25.00 or 3%, whichever is greater
First Mortgage Loan Modification $500.00
Loan Coupon Payment Books $10.00

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.

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.