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Collins Community Credit Union


ATM/Debit Card

After seven (7) withdrawals, balance inquires or transfers at any non Collins Community CU ATM machine per month $1.00*/per transaction
Copy of actual charge slip $5.00*
Card Replacement Fee $10.00*
NSF Debit Card Transaction $32.00
Preauthorized payment cancellation $32.00
VISA charges a 1% International Service Assessment (ISA) for each foreign country transaction which is reflected in the transaction.


Monthly Service Charges:  
Plus Checking (Product discontinued 10/31/2013) $5.00*
eChecking (Product discontinued 02/01/2017) Free w/ eStatements or $2.00 w/ paper statements
Take2 Checking (Formerly known asStartFresh Checking) $9.95
StartFresh First Step (Product discontinued 05/01/2015) $9.95
Check Orders Varies with design
Overdraft transfer from Savings (All checking accounts) $5.00 per day
Plus Checking Overdraft Transfer $5.00 per day
Stop Payment $32.00*


Christmas Club (early withdrawal or closure) $5.00
Money Market Plus (minimum balance fee) $5.00 monthly


When a transaction overdraws your account the following fees will apply:
If Paid: $32.00 / item, $160.00 day/maximum per transaction type
If Returned: $32.00 / item (no maximum per day)

Check Issue Charges

Cashiers Checks $3.00 for members
Money Orders $3.00 for members

Safe Deposit Boxes


Annual Rental Fee

3X5 $25.00
5X5 $30.00
3X10 $40.00
5X10 $50.00
10X10 $80.00
Lost Key Charge - One Key $25.00
Lost Key Charge - Both Keys $200.00
Box Rent 30 Days Past Due $10.00


Ready Reserve (advance) $5.00 per day
Annual Fee None
Late Payment Charge Lesser of 5% of the payment or $15.00
Returned Loan Payment Fee $32.00 per item

Wire Transfers

Incoming Wire Transfer $10.00
Outgoing Wire Transfer (Within US) $20.00
Outgoing Wire Transfer (International) $40.00

CU Online

Account Internet Access Free
Bill Pay (If there is no activity for 90 days service, Bill Pay will be discontinued.) Free
Online Bill Payment Returned Item $10.00 per item
Mobile Money (standard data rates may apply) Free
Mobile Deposit (standard data rates may apply) Free


MoneyMeter Free

$1.00 - $249.99
$1,000 and up

3 day = $0.50 Next day = $0.85
3 day = $0.75 Next day = $1.00
3 day = $1.50 Next day = $2.00

Account to Account Transfer (A2A)

Outgoing: $3.00, Incoming: Free

Statement Account Assistance

Research Fee $20.00 per hr/$10.00 Minimum*
Account Reconcilement $20.00 per hr/$10.00 Minimum*


IRA Transfer Fee (waived if transferring to Members Financial or First Community Trust) $25.00
Notary Free
Medallion Signature Guarantee $20.00
Bad Address (charged after 2 returned statements) $5.00 monthly
Deposit Items Returned $7.50*
Returned Deposit Item (own account) $32.00
Lost Money Order Assessed actual charge
Check Converting to Guaranteed Funds
Non-Member Fee
Foreign CheckExchanges $25.00
Tax Levy / Garnishment Fee $50.00 or maximum allowed
Escheatment Fee $25.00
Outgoing Collection Item Fee $5.00
Incoming Collection Item Fee $5.00*
Foreign Item Collection Fee Varies
Check Cashing Fee $5.00
(If average monthly account balance is less than $300. No fee for members under the age of 18.)
Early Closure Fee (if account is closed before 6 months) $15.00
Inactivity Fee** $15.00 semi annual (Jan/July)

*Plus Applicable Taxes

** After 12 months with no transactions (withdrawals or deposits) on account balances less than $2500. No fee for accounts with a safe deposit box, credit card, active checking account, loan, Health Savings Account, IRA, or members under the age of 18.

The fees listed are effective as of 02/01/2017.Please contact the credit union at800-475-1150 if you have any questions.

What's New

  • Collins Community Credit Union Named 2017 Top Workplace by Des Moines Register

    21 September 2017
    Collins Community Credit Union, headquartered in Cedar Rapids, Iowa, has been awarded a 2017 Top Workplaces honor by The Des Moines Register. Learn More
  • Steps to Start an Emergency Fund from Zero

    18 September 2017
    You know you should have an emergency fund, but where do you start? The key word is "start." Check out our latest blog post to learn how to start building up your emergency fund. Learn More
  • Money Savings Tips Every College Student Should Know

    05 September 2017
    Are you the kind of person who has a taste for fine wine, but can only afford a beer budget? It’s okay, we understand. College can be expensive. Actually, let’s scratch that; college IS expensive. However, there are multiple money saving tips that can save you cash and increase your savings. Learn More
  • How to Dress for Success on a Budget

    28 August 2017
    Most of us have heard of the saying, “Dress for the job you want, not the job you have.” If you want to advance in your current position, move up in the company, or transfer to a better job, always be prepared to sell yourself. However, if your bank account isn’t overflowing with cash, don’t worry! Follow these tips and tricks to dress for success in the workforce, all the while saving yourself some moolah. Learn More
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What's New

  • Free Retirement Seminar Presented by Collins Wealth Management Group

    October 17, 2017
    6:00 PM
    7:00 PM
    Kirkwood Linn Regional Center
    29 August 2017
    What lies ahead for you? Whatever your retirement goals are, ensuring a steady stream of income during retirement will be an important part of the road ahead. Social Security, how to use your 401(k) and how to manage investments are common concerns during retirement income planning.  Learn More
View All What's New