Oct 6, 2015:  Our ATM machines are currently down.  If you use another institutions ATM machine during this time, we will reimburse you for fees incurred while we work to solve this problem.  We apologize for any inconvenience. 

Fee Schedule 

Visa Check Card/ATM Card Fees

Visa Check Card/ATM Withdrawal (At machines we do not own or designate) $0.50
VISA Check Card/ATM Card Replacement Fee $10.00
Rush Delivery of VISA Check Card/ATM Card $50.00
VISA Check Card/ATM Card NSF Fee $20.00
VISA Check Card/ATM Card Transfer Fee* $2.00
VISA Check Card/ATM Card PIN Change $2.00

*transfer of funds from savings account to cover an overdrawn condition

Share Draft/Checking Fees

Share Overdraft Fee (per each item paid) $20.00
Returned Draft Charge (NSF) $20.00
Draft Transfer Fee (transfer of funds to cover overdraft condition) $2.00
Stop Payment Charge $20.00
Returned Check Charge (deposited checks returned unpaid) $10.00
Reconciliation Fee (refunded if our error) $20.00
Draft Photo Copy Charge (copies of paid drafts) after 5th copy in each month $2.00

ACH Fees

ACH NSF Fees (each item)                  $20.00
ACH Stop Payment  $20.00
ACH Revoked Authorization Fee $20.00
ACH Transfer Fee (to cover an overdraft condition)                                $2.00

IRA Fees

Early Withdrawal Penalty(per each)                                                          $15.00
IRA Inactive Account Fee (per quarter) $25.00
Transfer Fee $25.00

Christmas Club Account Fees

Early Withdrawal Fee                                                              $2.00

Other Miscellaneous Fees

Late Loan Payment Fee $20.00
Negative Account Fee (charged after 30 days) $25.00
Closed Account Fee (if closed within 90 days of opening $5.00
Account Statement (other than normal, per page) $2.00
Official CU Check Charge after 1st check in a 30 day period $3.00
Official CU Check Stop Payment Fee $20.00
Wire Transfer Fee (domestic) $20.00
Wire Transfer Fee (international)                                                            $40.00
Money Order Fee $1.00

Dormant Account / Inactive Account Fee(each month the account is inactive)
After 12 months with no activity; excludes fee or dividend transactions

Bad Address Fee (charge for each piece of mail returned)  $5.00
Counter Check (must order minimum of 5).  Cost is $.050 per check.  $0.50 
Non-Member Check Cashing Fee $5.00


Fees are accurate and are effective as of Sept 29, 2015. You may contact the credit union at 765-962-3172 with any questions.

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Health Care Professionals Federal Credit Union
1810 Williamsburg Pike, Richmond, IN 47374 (765) 962-3172
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