No Cost Services
Savings Account
No Cost
Automated Telephone Account Access
No Cost
Home Banking
No Cost
Online Bill Pay
No Cost
Zelle (Person-to-Person Transfer)
No Cost
Basic Financial Counseling
No Cost
E-Statements
No Cost
Certified Check
No Cost
Line of Credit or Visa Overdraft Protection*
No Cost
Credit Card Annual Fees
No Cost
Incoming Account Transfers
No Cost
Incoming Wire Transfer of Funds
No Cost
Notary Public
No Cost
*Interest will accrue at the time of advance which will result in a finance charge being assessed. Please refer to the original loan/card disclosure for further details.
Share Draft (Checking) Account Fees
Monthly Processing Fees (Free to RetireEase Members)
$5.00
Stop Payment
$25.00
Photocopy of Check (n/c for check copies available online)
$5.00
Returned (NSF) Check, ACH (Pre-Authorized Payment) or Returned Bill Pay
$31.00
Courtesy Paid Check or ACH Item
$31.00
Check or ACH Item paid through Share Transfer
$15.00
Checkbook Balancing and Researching Fee (Minimum 15-Minute Charge)
$25.00/hour
Re-Open Share Draft Account
$25.00
STARSM ATM Check Card Fees
Monthly Service Fee
$4.00
Courtesy Paid ATM or Debit Card Transaction
$31.00
Transfer Funds To Cover Overdraw
$15.00
Replace Lost, Stolen or Damaged STAR ATM Check Card
$10.00
Re-Issue STAR ATM Check Card After CU Cancel
$30.00
Issue Additional ATM Check Card
$10.00
ATM Check Card Document Fee (copy of sales slip)
$3.00
Cash Advance Fee (ATMs and Other Institutions)
$2.00
ATM Operator/Network Fees. When you use an ATM not owned by the Credit Union, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
VISA® Credit Card Fees
Additional Card
$10.00 per card
Replace Lost, Stolen or Damaged Card
$10.00 per card
Document Fee (copy of sales slip)
$3.00
Late Payment Fee After 10 Days Late
$25.00
Cash Advance Fee (ATMs and Other Institutions)
$2.00
Online Banking
Bill Pay
Overnight Check
$15.00
Same Day Bill Pay
$15.00
Account to Account Transfers (External)
Outgoing – Standard
$3.00
Outgoing – Next Day
$5.00
Loan Fees
First Mortgage Loans – Application fees and closing costs vary. Please contact Loan Department for estimates. Late Payment Fee: Five percent (5%) of the principal and interest payment after 15 days late.
Home Equity Loans – Application fees and closing costs vary. Please contact Loan Department for estimates. Late Payment Fee: Three percent (3%) of the minimum monthly payment due, no less than $1, no more than $15.00, after 20 days late.
Auto, Personal and Other Loans – No Application Fees.
Late Payment Fee After 10 Days Late
$30.00
Miscellaneous Service Fees
Mailed Paper Statement$1.50
Money Orders$2.00 each
VISA Travel Money Card$5.00
Diamond Club/RetireEase Member Travel Card$3.00
Reload Travel Card$3.00
VISA Gift Card$5.00
Diamond Club/RetireEase Member Gift Card$3.00
Stop Payment on Official Check
At Credit Union Cost
Outgoing Wire Transfer of Funds (Free to Diamond Club Members)
$10.00
Returned Deposit Item$20.00
Returned Mail Per Occurrence (Daily)$3.00
Early Closure of Club Account$10.00
Dormant Account*$5.00 per month
Third Party Share Withdrawal Checks$2.00
Replace Memo Auto Title$5.00
Re-open Share Account$25.00
Tax Levy or Garnishment$25.00
Account Balance or History Printout$1.00 per page
Copy of Statement$2.00 per page
Fax Copy Sent$1.25 per page
Carfax® Vehicle History Report (refunded if you get a Vehicle Loan from us)
$18.00
Non-member Check Cashing Fee$10.00
Coin Machine Conversion Fee5% of Deposit
Safe Deposit Boxes are available in varying sizes at the Silverton Office.
*The first business day of each month a $5.00 monthly dormant account fee will be charged to a member’s Share/Savings Account which has not shown any deposit or withdrawal activity (except dividend payments) for 2 consecutive years. Members who have more than a single Share Account such as Checking, IRA, Club Accounts, Loans, and VISA® will not be charged a fee. Youth Accounts are also exempt.