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Rio Grande Credit Union
Rio Grande Credit Union ESPAÑOL
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Fee Schedule

Effective Date: 6/1/2020
Zia Checking Fee
Service Fee $2.00/Month
All Checking Account Fee
NSF (Non-sufficient funds) $25.00/Item
Return Item $25.00/Item
Stop Payment $18.50/Request
Overdraft $25.00/Item

Effective Date: 5/25/2020
Description Fee
Shared Branching $2.00/Transactions*
Shared Branching Returned Item $35.00/Item
Items Sent for Collection $10.00/Item
Wire Transfer (Domestic) $15.00/Transfer
Wire Transfer (International) $50.00/Transfer
Cashier's Check $2.00/Check
Money Order $1.00/Money Order
Account Reconciliation $20.00/Hour ($20 minimum charge)
Account Research $20.00/Hour ($20 minimum charge)
Copy Fee $0.25/Page
Deposited Item Return $25.00/Item
Dormant Account $5.00/Quarter
Automatic Transfer No Charge
Declaration of Loss (Money Order/Cashier's Check) $18.50/Request
Safe Deposit Box Lost Keys/Adbandoned Box $200.00/Lock Drillout
Safe Deposit Box Annual Rental $20.00 (3"x5")
  $30.00 (5"x5")
  $40.00 (3"x10")
  $50.00 (5"x10")
  $75.00 (10"x10")
Low Balance $3.00/Month
Return Mail $5.00/Quarter
Lien Filing Fee $35.00
Duplicate Title Fee $45.00
Out of State Lien Filing Fee $300.00
Loan Payment by Phone/IVR/Website $10.00
Coin Counter 3% of Deposit (Member)
  9% of Deposit (Non-Member)
*Fee applies after first four visits per month within Valencia, Bernalillo, and Sandoval counties. Excludes deposits and loan payments.

EFT FEES (Electronic Funds Transfer)
Effective Date: 5/25/2020
Description Fee
ATM Withdrawal/Transfer Surcharge Fee plus $1.00 for ATMS out of network
Card Replacement $5.00/Card
ACH Overdraft $25.00/Item
ACH NSF $25.00/Item
Debit Card/ATM Card Overdraft $25.00/Item

Effective Date: Saturday, October 24th, 2020
Description Fee
Travel Money Card $5.00
Gift Cards ($10-$100) $1.50
  ($101-$200) $2.00
  $201-$300) $2.50
  ($301-$500) $3.00
Debit, ATM, and Credit Card Replacement $5.00/Card
Plastic Card Rush $35.00/Card minimum rate increase based on location

Effective Date: Saturday, October 24th, 2020
Description Portfolio 1st Mortgages 2nd Mortgages HELOC
Origination Charge $600.00 $475.00 $475.00
Wire Transfer $15.00 $15.00 $15.00
Credit Report $50.00 $50.00 $50.00
Flood Certification $15.00 $15.00 $15.00
Owner Occupied Appraisal - Loans Over $50,000 $600.00 $600.00 $600.00
Non-Owner Occupied Appraisal - Loans Over $50,000 $650.00 $650.00 N/A
Rate Modification 0.5% of loan balance with cap of $1,000.00 0.5% of loan balance with cap of $1,000.00  
Document Preparation $150.00 $150.00 $150.00
Insurance Coverage $35.00 $35.00 $35.00
Payoff Fee $50.00 $50.00 $50.00
Subordinate Fee $50.00 $50.00 $50.00


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