Fee Schedule

The following fees and charges may be subject to change:

 Basic Share Account

  • Membership Fee:   $10
  • Below minimum balance fee:   $5
  • Dormant account quarterly fee when balance is below $250:   $5
  • Excessive withdrawal fee (over 6 per month):  $3
  • Early Close Fee (within 90 days of opening):   $15
  • Deposit checks returned non sufficient funds or other:   $25
  • Check cashing when membership account below minimum:   $5

Checking Accounts

  • Non sufficient funds fee:   $25
  • Photocopy request (2 free per month):   $10
  • Stop payment on checks or bill pay:   $15
  • Interest Checking monthly fee (average daily below $1500):   $5
  • Checking overdraft from savings:   $3
  • Checks paid on overdrawn accounts:   $25
  • Checks paid on Collection:   $25
  • My CU Bill Pay monthly service fee:   $4.95
  • Bill Pay requests returned Non sufficient funds:   $25

Money Market Checking Accounts

  • Minimum withdrawal:   $100
  • Money Market monthly fee (When balance below $2500):   $10
  • Money Market Excessive withdrawal Fee (over 6 monthly):    $5
  • Checks in excess of 3 per month (per check):   $10

Visa  

  • Tier C annual fee:   $25
  • Tier D annual fee:   $35
  • Late fee:   $10
  • Overlimit fee:   $15
  • Payment returned non sufficient funds or other:   $20
  • Copy of Sales Draft:   $6
  • Grace Period for finance charges:   25 day
  • Cash Advances at Prosperity FCU main office:   free

ATM & Visa Debit Card

  • ATM Card Withdrawals and transfers at ATM terminal:   $1
  • Point of Sale Withdrawals and transfers at POS terminal:   free
  • Visa Debit card transaction fee:   free
  • Visa Debit transaction paid on overdrawn accounts:     $25
  • Visa Debit card replacement fee:   $10

Loans

  • Loan Extension fee:   $25
  • Refinancing Existing SSFCU Loan:s   $100
  • Consumer -  loan late charges - see Truth in Lending Disclosure
  • Real Estate loans fees - call for current schedule

IRA Accounts

  • Annual Maintenance Fee:   $10

All Accounts

  • Statement Copies on Microfiche:   $3 each
  • Statement Copies on computer printout:   $3 each
  • Statement Research or reconciliation (per hour):   $30
  • ACH Returns or Reversals:   $25
  • ACH stop payment:     $15
  • Cashiers Checks:   $5
  • Foreign Check collection:   $10
  • Third party credit union checks:   $2.00
  • Escheat Processing:   $30
  • Fax Service:   $2
  • Locator Bad Address fee (monthly):   $2.00
  • Stop Payment on credit union checks:   $15
  • Notary Service (when available):   $10
  • Domestic Wire transfers:  $25
  • Foreign Wire transfers:   $45  
  • Check deposits returned and resubmitted for payment:     $5
  • Compliance with legal process fee:   $30

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