Fee Schedule
The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.
Fee schedule effective as of 2/10/2023.
Share Account Fees
| Description | Fee |
|---|---|
| Par Value of One Share | $25.00 |
| Account Closing Fee | $10.00 if closed within first 90 days of account opening |
| Check Cashing Fee (No fee for checks drawn on SCU) | $15.00 fee is waived when deposit or loan relations is more than $150.00 |
| Minimum Balance Fee | $5.00 per month if $150 daily minimum balance is not maintained. This is waived if you have another share or loan with SCU |
Share Draft Account Fees
| Description | Fee |
|---|---|
| All Accounts Copy of Paid Draft Fee | $3.00 per item |
| All Accounts Share Overdraft Fee | $3.00 per transfer |
| Money Market Minimum Balance Fee | $5.00 per month if minimum balance is not maintained |
| Classic Checking Paper Statement Fee | $3.50 per month |
| Classic Business Checking Account - Minimum Balance Fee | $12.00 per month if minimum balance is not maintained |
| Share Draft Insufficient/Uncollected Funds - Returned (NSF) | $32.00 per item |
| Share Draft Insufficient/Uncollected Funds - Overdraft Privilege (ODP) | $32.00 per item |
| Share Draft Printing Fee | Prices may vary depending upon style |
| Stop Payment Fee | $35.00 per request |
Club Account Fees
| Description | Fee |
|---|---|
| Christmas Club - Excessive Withdrawal Fee | $5.00 per withdrawal after one (1) free withdrawal per club period |
| Vacation Club - Excessive Withdrawal Fee | $5.00 per withdrawal after two (2) free withdrawals per year |
Other Service Fees (applicable to all accounts)
| Description | Fee |
|---|---|
| Account Reconciliation Fee | $20.00 per hour, $10.00 minimum |
| Account Research Fee | $20.00 per hour, $10.00 minimum |
| Account Conversion Fee | $25.00 per conversion |
| Cashing Rapid Refund Loan Check | $25.00 |
| Official Check | $5.00 per check |
| Collection Item Fee | $32.00 per item |
| Deposited Item Return Fee-First Return for NSF | $5 per item on the first deposited NSF return |
| Deposited Item Return Fee-Returned for NSF Second Time Or For Any Other Reason | $32.00 per item |
| Loan Payment Return | $5.00 per item |
| Dormancy Fee | $5.00 per month after two (2) years |
| Legal Process Fee (Lien, Levy, etc) | $20.00 per hour, $10.00 minimum |
| Money Order Fee | $3.00 per item |
| Insufficient/Uncollected Funds Fee | $32.00 per item |
| Loan Payment Online | $9.99 per payment/fee waived when scheduled as recurring payment |
| Loan Payment by Telephone | $9.99 per payment |
| RDC Monthly Fee | $50.00 per month |
| Return Mail Fee | $5.00 per item |
| Statement Copy Fee | $3.00 per copy |
| Wire Transfer (Incoming Fee) | $10.00 per transfer |
| Wire Transfer (Outgoing Fee) | $20.00 per transfer |
| Verification of Deposit by Fax Fee | $3.00 per request |
|
Safe Deposit Box Fees Rental (annual) |
Lost key - $75.00/Drill - $150.00 3x5 - $20.00 3x10 - $30.00 5x10 - $40.00 10x10 - $70.00 |
ATM/Debit Card Fees
| Description | Fee |
|---|---|
| Foreign ATM Fee | $1.00 per use of a foreign ATM machine |
| Replacement Debit / Credit Card Fee | $15.00 per item |
| Replacement Credit Card PIN Fee | $3.00 per occurrence |
Credit Card Fees
| Description | Fee |
|---|---|
| Credit Card Late Payment Fee | $15.00 |
| Credit Card Balance Transfer and Cash Advance Fee | 3% on all cash advances and balance transfers |
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