Application Center
Local Union 392 FCU Application Center
For your convenience, we have the following forms & applications available on our site:
Non-Mortgage Loans
Secure Online Loan Application (new window/tab)
Printable Loan Application (new window/tab)
Checking Agreement
Checking Agreement Application (PDF – new window/tab)
Debit/ATM Agreement
Debit/ATM Agreement Application (PDF – new window/tab)
Reorder Checks
We must advise that when selecting a link below YOU WILL BE LEAVING THE CREDIT UNION’S WEBSITE and linking to a website NOT operated by the Credit Union. The Credit Union is NOT responsible for the content of the alternate website and does NOT represent the third party or the member if the two should enter into a transaction. Please note that the privacy and security policies may differ from those practiced by the Credit Union.
Fee Schedule
| Fee | Amount | Condition |
|---|---|---|
| Account Closing Fee | $10.00 | Per Account |
| Account Reconciliations | $25.00 | Per Hour |
| ACH Credit Originations (outgoing) | $2.00 | Per Transaction |
| ACH Notification of Change Fee | $5.00 | Per Item |
| Any Special Handling For ANY Purpose | $5.00 | N/A |
| Collection Items | $20.00 | Per Item |
| Credit Bureau Dispute Letter | $5.00 | Per Letter/Bureau/Creditor |
| Daily Negative Balance Fee | $3.00 | Per Day |
| Document Fee | $50.00 | Per Mortgage |
| Dormant Account Fee | $30.00 | After 1 Year |
| $15.00 | Per Mo. Thereafter | |
| Garnishment Fee | $30.00 | Per Item Received |
| IRS Tax Levy | $30.00 | Per Item Received |
| LoanProcessing Fee (Collateralized Loans Only) | $20.00 | Per Loan |
| Loan Skip-a-Payment Fee | $35.00 | Per Loan Skip |
| Mail Return Fee | $5.00 | Per Item |
| NSF (Insufficient Funds) Fee | $20.00 | Per Item |
| Returned Items – NSF, ACH, Deposits, etc… | $20.00 | Per Item |
| Share Transfers (To Cover Overdrafts) | $1.00 | Per Item After 6 |
| Stop Payment Order | $15.00 | Per Item |
| Wire Transfer Fee | $20.00 | Per Wire |
| Fee | Amount | Condition |
|---|---|---|
| 1st ATM Card | FREE | N/A |
| NSF ATM Withdrawal Fee | $20.00 | Per Transaction |
| PIN Number Change | $5.00 | Per Change |
| Replacement ATM Card | $5.00 | Per Card |
| Replacement ATM Card Holder | $0.50 | Per Holder |
| Service Fee | $1.00 | Per Transaction After 8 |
| Fee | Amount | Condition |
|---|---|---|
| Subscription to Pay Dues Automatically | $3.00 | Per Year |
| Withdrawal Fee* *any withdrawal that brings balance below $1,000.00 |
$1.00 | Per Withdrawal |
| Withdrawal Fee – Accts. Causing CU a Loss | $5.00 | Per Withdrawal |
| Fee | Amount | Condition |
|---|---|---|
| Charge to Print/Order Checks* *cost may vary based on check style ordered |
– | Priced as Scheduled |
THIS LIST OF FEES IS SUBJECT TO REVISION AT THE DISCRETION OF THE CREDIT UNION. YOU WILL BE NOTIFIED OF ANY CHANGES IN FEES.
Statutory Lien: If you are in default on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in your account(s) at the time of default to satisfy that obligation. Once you are in default, we may exercise this right without further notice. Notice is hereby given to you, a member, co-signer, obligor, maker, co-maker, guarantor, endorser, surety, or accomodation party that the Credit Union has the right to impress and enforce this statutory lien.
Calculators
For your convenience, we are providing several on-line loan calculators to assist you in your financial planning. Following the links below or using the navigational buttons on the left will take you to your choice.
Savings Calculators
Loan Calculators
Mortgage Calculators
- Transition to a Bi-Weekly Mortgage Calculation (new window)
- Mortgage Refinance (new window)
- Mortgage 1 (new window)
- Mortgage 2 (new window)
- Convertible Balloon Mortgage Calculator (new window)
- Biweekly Mortgage Calculation (new window)
- Mortgage Payment Table Calculator (new window)
- How much house can you afford? (new window)
- Prepayment Mortgage Reduction (new window)
- Mortgage Qualification Calculator (new window)
