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Home > Business Services > Business Rates & Fees

Business Rates & Fees

Savings
Effective Date: Friday, December 6th, 2019, 12:00am ET.
Business Membership Share - Minimum Opening Balance: $5; Minimum Balance to Earn Dividends: $5; Compounded Quarterly
Other Savings - Minimum Opening Balance: $0; Minimum Balance to Earn Dividends: $1; Compounded Quarterly
Account InformationInterest RateAPY
Business Membership Share 0.150% 0.150%
Other Savings 0.150% 0.150%

Truth in Savings Disclosure

High-Yield Deposit Account
Effective Date: Friday, December 6th, 2019, 12:00am ET.
Requires a minimum opening balance of $1000 and compounded monthly
NameInterest RateAPY
Balances from $1,000.00 to $24,999.99 0.349% 0.350%
Balances from $25,000.00 to $49,999.99 0.399% 0.400%
Balances from $50,000.00 to $99,999.99 0.449% 0.450%
Balances from $100,000.00 to $249,999.99 0.499% 0.500%
Balances from $250,000.00 to $499,999.99 0.698% 0.700%
Balances from $500,000.00 to $999,999.99 0.946% 0.950%
Balances of $1,000,000.00 and more 1.094% 1.100%

Truth in Savings Disclosure

Special Certificate Rates for Business
Effective Date: Friday, December 6th, 2019, 12:00am ET.

All certificates require a $500 minimum balance to open the account and earn the stated APY, compounded monthly. For certificates of $100,000.00 or more, contact the credit union for current rates. Substantial penalty for early withdrawal; call the credit union for complete disclosures.

Withdrawals only at maturity.

Certificate TermInterest RateAPY
26 Month Special 2.276% 2.300%
62 Month Special
* NEW MONEY TO CU ONLY
2.716% 2.750%

Truth in Savings Disclosure

* NEW MONEY TO CU ONLY means that the funds have not previously been on deposit with Wildfire Credit Union; amounts withdrawn from Wildfire accounts in the preceding 30 days will not qualify.

Certificates of Deposit Account
Effective Date: Friday, December 6th, 2019, 12:00am ET.
Certificate TermInterest RateAPY
6-11 months 1.292% 1.300%
12-17 months 1.736% 1.750%
18-23 months 1.834% 1.850%
24-35 months 2.129% 2.150%
36-47 months 2.325% 2.350%
48-59 months 2.472% 2.500%
60 months 2.618% 2.650%

Truth in Savings Disclosure

Business Checking Beyond
Effective Date: Friday, December 6th, 2019, 12:00am ET.
Compounded Monthly
Account InformationInterest RateAPY
Balances from $0.00 to $9,999.99 0.25% 0.25%
Balances from $10,000.00 to $24,999.99 0.25% 0.25%
Balances from $25,000.00 to $49,999.99 0.25% 0.25%
Balances from $50,000 to $249,999.99 0.25% 0.25%
Balances from $250,000 to $499,999.99 0.25% 0.25%
Balances from $500,000 to $999,999.99 0.25% 0.25%
Balances of $1,000,000 and more 0.25% 0.25%

Truth in Savings Disclosure

Standard Fees

Check printing Varies
Personal fax $0.50 per page
Copy of Statement $3.00 per statement
Printed checking account histories $1.00 per page
Third-party corporate check withdrawal $5.00 per check
(first 2 per month free)
Money Order $2.00
Coin Machine 2% for coin over $100.00
Visa Gift Card (Members) $2.00
Visa Gift Card (Non-Members) $5.00
Copies of checks cleared 4 free/$2.00 additional
Research requests $25 per hour + $1.00 per copy
$25 minimum
Escheat $50.00
Non-Sufficient Funds (NSF)* $30.00
Overdraft charge
  • Checks
  • Electronic withdrawals
$30.00 per item
Stop payment
  • Checks
  • Electronic withdrawals
  • Third-Party Corporate Checks
  • Money Orders
$30.00
ACH Rejected Item $5.00
Deposited checks returned (third-party check) $10.00
Deposited checks returned
(the account - personal or business)
$30.00
Counter checks (standard package) 4 for $1.00
Outgoing Wires $20 domestic
Incoming Wires $10
Account reconciliation $25.00 per hour
Early Membership Closure
(Closed within 90 days of opening)
$10.00
Dormant Account
(dormant 12 months or greater)**
$10.00 per month
Returned mail $5.00
Verification of Deposit/Loan $10.00
Copies of VISA® check card purchase receipts $6.00
ATM Balance Inquiry (at non-Wildfire ATM)
(free at Wildfire and Co-Op ATMs)
$2.00
Replace lost or damaged VISA® card
(applies to debit and credit cards)
$5.00
High Yield Deposit Account Withdrawal
(for withdrawals exceeding 3 per month)
(maximum of 6 withdrawals per month allowed.)
$25.00
Garnishment/Levy $50.00
Statement Check Imaging $3.00 per month (per share ID requested)
Transaction fee***
  • Small Business Checking limit: 200 per month
  • Business Checking Beyond limit: 500 per month
  • Business Checking Optimize limit: 1000 per month
$0.35 per item (if over monthly transaction limit)
Checking Account Monthly Maintenance fee, if minimum monthly average balance not met
Small Business Checking
(no minimum monthly average balance required)
$0.00
Business Checking Beyond
($5000 minimum monthly average balance)
$15.00
Business Checking Optimize
($10,000 minimum monthly average balance)
$20.00

* An NSF fee is charged each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against in-sufficient funds will result in a separate fee.

** Applies to accounts that do not maintain an aggregate of $200 on deposit or a loan of any amount.

*** Transactions include checks paid, withdrawals, deposits, items deposited, ACH credits and debits received.

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