Policies & Disclosures
- Privacy Policy/Privacy Disclosure
- Membership and Account Agreement
- Funds Availability Policy Disclosure
- Electronic Fund Transfers (EFT) Agreement & Disclosure
- Truth-in-Savings (TISA) Agreement
Member Overdraft Privilege Disclosure
Home Mortgage Disclosure Act (HMDA) Statement
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).
Schedule of Fees
As a not-for-profit financial institution, Interior Federal returns profits to its members in the form of better rates and fewer fees. However, there are some things for which we still have to charge a small fee. If you have any questions about our fee schedule, please contact us.
This schedule of fees and charges is effective as of: March 3, 2025.
Money Transfer Fees
- Wire Transfer Standard Outbound – $25 (FREE for “standard” inbound)
- Funds Transfer Next Day Inbound/Outbound (Online) – $5 (FREE for “standard” inbound & outbound)
- Bill Payment Expedited Funds via ACH – $8
- Bill Payment Expedited Funds via Fed Ex Delivery – $45
- External Loan Payment – $10
Plastic Card Fees
- Replacement for Visa® Debit Card – $25 (FREE thru digital banking)
- Replacement for Visa® Debit Card Rush – $45
- Foreign ATM Withdrawal (after first 5 FREE) – $1
- Foreign ATM Inquiry (after first 5 FREE) – $0.50
- Foreign Point of Sale Withdrawal – FREE
- Foreign Cardholder ATM Withdrawal Fee – $3
Savings, Checking and Money Market Accounts
- Overdraft Privilege* – $28 (per item)
- Insufficient Funds* – $28 (per item)
- Overdrawn* – $28 (per item)
- Returned Deposit Item* – $15 (per item)
- Stop Payment (6 months for checks/indefinite for ACH) – $20 ($15 through Digital Banking) (per item)
- Check Printing – Varies by check (per item)
- Foreign Check Collection – Fed charge passed on to member (per item)
- Check Copy – $5 (per item)
- Money Market Excess Check After 3 – $20 (per item)
Account/Other Fees
- Early Holiday Club Withdrawal – $5
- Cashier’s Check – 2 FREE/day, then $5/check
- Money Orders – 2 FREE/day, then $5/check
- Copy of Statement – $5
- Account Reconciliation/Research – $30/hour ( 1 hr. minimum)
- Garnishment/Notice of Levy – $50
- Verification of Account – $20
- Returned Address – $5/month
- Inactive Account – $5/month (after 18 months of inactivity)
- Close Account within 90 days – $10
- Notary for Non-member – $5/seal (FREE for members)
- Skip Pay Fee – $35
- Paper Statements – $5/month for paper statements (FREE e-statements)
There may be additional costs associated with the use of these products or services. Members may contact us to request specific information about the costs. Fees may reduce earnings.