Fees

• Fees

Schedule of Fees

General Services
Money Order ($1,000 Max.)	$5.00
Cashier's Checks	$5.00
Verification of Deposit	$15.00
Wire Transfers
Incoming	$20.00
Outgoing	$30.00
FAX Per Page
Incoming	$1.00
Outgoing ($.50 ea. extra pg.)	$3.00
Attachment/Levy against
Member's Account	$50.00
Foreign Check Collection Fee	$15.00 - $25.00
Inactive/Dormant Account
Notification to member of account status	$5.00
Assessed after no activity for 1 year.
Escheating to State	$2.00
Assessed when total account balances under one member account number are over $50.00 with no activity for 3 years.
Bad Address	$5.00
Account Research
By MSR in person or phone	$5.00
Automated	N/C
Telephone account transfers by MSR	$1.00
Copy of Statements	$5.00
Electronic Statements	Free
Returned Deposit Item (RDI)	$10.00
RDI From self to self (different bank)	$20.00
Stop Payment Check	$30.00
Copy of Paid Check	$3.00
Base Share balance below $25.00 (Monthly Fee)	$5.00
Coin Counter over $50.00	5% of total
Sponsor check cashing for non-member	$10.00
Share Savings Accounts
New Member Account Fee	$5.00 *1
Early Closure (within 120 days)	$20.00
Reopen Account (with in 6 mos.)	$20.00
Account Closed by CU Due to MISUSE or ABUSE	$30.00
NSF Return item (per Item)	$14.00
Manual Overdraft Transfer(Reg D Exceeded)	$14.00
Manual Transfer by phone (Reg D Exceeded)	$5.00
Manual Transfer in person	N/C
Account Reconciliation
(Research & Balancing) per hr (Min-1 hr)	$25.00
Share Draft Checking Accounts
Platinum Checking	$5.00
Share Draft Checking	$5.00***
Early Closure (within 120 days)	$20.00
Reopen Account (with in 6 mos.)	$20.00
Account Closed by CU Due to MISUSE or ABUSE	$30.00
Courtesy Pay Fee (per item)	$14.00
NSF Return item (per Item)	$14.00
Manual Overdraft Transfer(Reg D Exceeded)	$14.00
Manual Transfer by phone (Reg D Exceeded)	$5.00
Manual Transfer in person	N/C
Temporary checks (first 3 pgs for new acct Free)	N/C
Additional Page (4 checks)	$1.00
Personal Checks	Fee based on style*2
Account Reconciliation
(Research & Balancing) per hr (Min-1 hr)	$25.00
Visa ATM/ Check Card
Courtesy Pay Fee (Negative balance) (per Item)	$14.00
NSF Return item (per Item)	$14.00
Replacement Card	$10.00
New PIN	$3.00
Payment By Card	$3.00
Point of Sale Usage for purchases (POS)	N/C
ATM-Cash Withdrawals at SCU or CO-OP ATM'S	N/C
Other ATM Locations
First 5	N/C
Additional Withdrawals	$1.50
Visa
Annual Fee	N/C
Late Fee (The greater of)
5 days late	3% or $7.00
10 days late	3% or $10.00
15 days late	3% or $15.00
Over limit Fee	$25.00
Returned Payment Items	$25.00
Loans
Credit Report Fee	$25.00
Late Charge (after 10 days)
Secured (the greater of)	10% or $25.00
Signature Loans (the greater of)	12% or $25.00
HELOC (the greater of)	15% or $50.00
PC Car book/Kelley Blue Book	N/C
Collateral Insurance Add on	$35.00
Electronic Title Fee	$20.00
Returned Payment items	$30.00

1. *Fees waived for members who are under 18 and for members who are 62 and over.
2. **Fee waived for members who are 62 and older.
3. ***Share Draft Checking fee waived if $200.00 average monthly balance or Direct Deposit, eStatements, and Debit Card are maintained.