APR Note: Rates reflected above are per the CFCU website as of 1/16/2016, and reflect a Prime Rate of 3.25%. Contact CFCU to see what may have changed since that date. You must be a member of CFCU Community Credit Union, eligible to anyone who lives, works or attends school in Tompkins or Cortland Counties, New York, as well as any business or organization located in Tompkins or Cortland Counties. Convenience Check Fees: Either 3% of the amount of each Convenience Check Cash Advance, or $10 minimum, whichever is greater. Returned Payment Fee: Up to $35.