Credit unions are chartered under either federal or state law. Delco Postal Credit Union is chartered under the laws of the Commonwealth of Pennsylvania. It is regulated by both the PA State Banking Department as well as the National Credit Union Administration (NCUA). The NCUA administers the federal insurance fund (NCUSIF) which covers our credit union. No taxpayer money is used for regulating state credit unions in Pennsylvania.
CREDIT UNION FEES:
NSF CHARGE 25.00 per item
RETURNED ACH 25.00 per item
Dormant Account Charge 2.00 per month- This fee will only apply to regular shares in those accounts where the member is over the age of 18 and has under $200 in the account. Only applies to accounts with no activity for one year.
Stop Payment 15.00
Escheat Fee 25.00
Late Payment on Credit card 10.00
Overdraft on ATM Card 25.00
ATM Balance Inquiry 1.00
Deposit of 3rd party check which is dishonored 25.00
Lost/Stolen ATM Card replacement 5.00
Domestic Wire Transfer Fee 20.00
Foreign Wire Transfer Fee 40.00
Returned Mail Fee* 1.00
Mortgage Satisfaction 75.00
Auto Lien Fee 85.00
* This fee applies only to mail with a "No forwarding address" return.