At Memorial Credit Union, we offer competitive rates and fees on our savings and loan products. Click on the desired link below for more detailed information. 
Please do not hesitate to contact the Credit Union should you have any questions or concerns regarding our rates and/or fees.


LOAN RATES SAVINGS RATES TERM SHARE / CD CREDIT CARD RATES FEES

Fees
Savings Account Fees
Paper Statement Fee - (This fee can be avoided by enrolling in E-Statements)$4.00
Copy of Prior Statement$1.00 per statement - picked up
$2.00 per statement - mailed
History Printout of Current Quarter - Picked Up in Office No charge
History Printout of Current or Prior Quarter - Mailed $1.00
Returned Checks $35.00
Returned Deposit Checks $35.00
Stop Payment $35.00
Account Close Fee $25.00 fee to close accounts that are opened and closed within six months.
Record Research $10.00 per hour - extensive records research is required for copies of checks or statements. ($10.00 minimum charge)
Minimum Balance Violation** $5.00 per quarter
Dormant Accounts$5.00 per month until the balance is less than $25.00 at which time the account may be closed.
Bad Address Fee $5.00 each time returned for bad address
 
Wire Transfer (Incoming) $20.00
 
Garnishment Fee $50.00
 
Excessive Withdrawal Fee (Holiday & Vacation Club Accounts Only) $25.00
 
IRA Fees
Annual Fee $50.00
Statement Copies$1.00 per statement - picked up
$2.00 per statement - mailed
Early Closure 3 months dividends
 
Checking Account Fees
Monthly Fee► See Checking Account for fee information.
Per Check Charge $0
Non-Sufficient Funds (NSF) Fee $35.00
Stop Payment Fee $35.00 per check or consecutive range of checks
Check Copy Fee $3.00 per check
Checking Statement Balancing Service $10.00 per hour
Draft Copies $3.00
Overdraft Share Transfer $5.00
 
ATM/Debit Card Fees
Monthly Fee None
 
Other Fees
*Money Orders $3.00
Cashier Drafts (Minimum $500.00) $5.00
* Available at Hospital Branch Only
**Dormant Accounts: If we lose contact with a member because no current address is available and there has been no activity in the account for the past 12 months, the account will be declared dormant and will be charged a $5.00 monthly fee until the balance is less than $25.00 at which time the account may be closed. After 5 years, any funds remaining in the account in excess of $25.00 are turned over to the state of Tennessee.