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Thurs-Fri: 9:30-6:00 Sat: 9:30-12:30 Drive-thru Only

Neighbors 1st FCU

Saratogas Community FCU

Fees and Disclosures

(Effective March 1, 2017)
Type Amount
Returned ACH for insufficient funds $35.00 per
Returned share draft for insufficient funds $35.00 per
Insufficient funds caused by Visa check card $35.00 per
Stop Payment (Share draft or ACH) $20.00 per
Copy of share draft $4.00
Share draft presented on closed account $35.00
Loan Late Fee (10 days) $25.00
Wire Transfer (Domestic) $20.00
Fax (long distance-per page) $1.00
Over 8 ATM transactions in a month $1.00 per
Mail returned as unknown address $5.00
Telephone banking fees: first 6 monthly are free $0.40 per
Gift Card $1.50
Money Order Fee $0.89
Credit Union Check $5.00
Over 2 (two) IRA withdrawals per calendar year* $25.00 per
Account closure within 1st six months $5.00

Dormant Account Fee

Premature Christmas Club closure

$5.00 per month


Account Research $25.00 minimum Up to 1 hour, $20.00 per hour each additional hour

*Does not apply to RMD transactions