Fee Schedule

Red Rocks Credit Union provides lots of services for free! We believe in keeping fees to a minimum because we truly value our members. Please contact us if you have questions or concerns about our fee schedule.

Savings Accounts
Four (4) or more withdrawals per month $5 Per withdrawal
Insufficient Funds Fee $32 Per item; Fee will be imposed for each submission of the same item if that same item is resubmitted and returned again.
Inactive Membership $5 Per month (after 12 months)
Early Closed Account Fee $25 Charged if membership is closed within 180 days of account opening”
Checking Accounts
Stop Payment $30 Per Request
Returned Deposit Item $20 Per item (to/from same member $35 per item – applies to checking or savings account)
Insufficient Funds Fee $32 Per item; Fee will be imposed for each submission of the same item if that same item is resubmitted and returned again.
Overdraft Privilege Fee $30 Per item
Overdraft Transfer
(savings to checking)
$5 Per transfer
Check copy
(front & back)
$5 Per copy
Box of Checks   Please inquire for details
Temporary Checks $2 Sheet of (4)
Inactive Bill Pay $5 Per month (after 30 days of no activity)
Foreign Item Fee $75 Up to $75 maximum
Debit Cards
Visa International Transaction Fee 1% Of the total transaction
Out-of-Network ATM Usage Fee $2.50 Per transaction
Late Payment Up to $25
Subordination $150 Per item
Courtesy Clear Activity Fee $5.95 Per month (charged if funds are accessed)
Collection Fee $25 Per item
Returned Payment $25 Per item
Staff Assisted Loan Payment $10 Per item 
Share Certificates
Share Certificate Early Withdrawal Penalty – 12 month or less 90 days Dividends
Share Certificate Early Withdrawal Penalty – more than 12 months 180 days Dividends
Complimentary (Free) Account Features
Debit Card $0 No fee Visa Debit cards – and we even offer instant issue.
Checking Account No Monthly fee You’ll never pay a monthly checking fee!
Online Banking $0 Always free of charge.
Mobile App $0 Access your account anywhere, anytime. You can check account balances, make transfers, deposit checks, pay bills, find ATMs and more.
Teller Assistance $0 We’re here to serve you, not charge you fees for most transactions.
24/7 Phone Center $0 Life isn’t 9 to 5. Contact us anytime with account questions.
Card Replacement $0 Visa Debit and ATM cards.
Coin Counting $0 For members.
Notary $0 For members.
eDeposit $0 Deposit checks from your mobile app for free.
Active bill pay $0 Pay bills using our online banking and mobile app.
Member to Member Transfer $0 Pay friends and family using their RRCU account information. Just use online banking or our mobile banking app.
CO-OP ATM Network $0 Access over 30,000 free CO-OP network ATMs nationwide.
Safe Deposit Box
Safe Deposit Box Activation $50 Per box
Safe Deposit Box Drilling $150  
Safe Deposit Box Replacement Key $75 Per key
Convenience Fees
Paper Statement – Mail $5 Per statement
Statement Returned, Bad Address $6 Per item
Statement Copy $5 Per copy (also $5 per copy of interim account history)
Credit Union Issued Checks $5 Per check
Account Research Fee $30 Per hour (1 hour minimum, applies to any account type)
Levy/Garnishment Fee $40
Outgoing Wire Transfer (domestic) $25 Per wire
Outgoing Wire Transfer (international) $50 Per wire
Incoming Wire Fee $5 Per wire
Non-member Check Cashing Fee $5 Per item
Rush Order on Plastic Cards $50 Per item
Check Image Rush Request $10 Per item if needing within 24 hours