We're transparent about our fees

You deserve to know exactly what's involved with using our products and services. The fee schedule explains everything so you're not caught off guard.
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Fee Schedule (Effective May 1st  2024)

Description Amount
Abandoned Property/Dormancy Processing Fee $25.00
Account Research/Statement Reconciliation FREE
ATM/Debit/Credit Card Replacement $10.00/Card
Check Cashing Fee: Non-Members $15.00/Each
Cross-Border Transaction Fee 1%
Early Account Closure Fee (Within 90 days of opening) $5
Excessive Withdrawl Fee
After 6 per month for Investor Money Market, Jumbo Money Market, and High-Yield Savings 		 $25.00/ Withdrawal
Excessive Withdrawl Fee
After 6 per month for all other savings and money market accounts		 $5.00/ Withdrawal
Expedited Courier Fee $35 
External Transfer: Incoming & Outgoing (<$2,500) – Standard delivery FREE
External Transfer: Outgoing (over $2,500) – Standard delivery $3.00/Each
External Transfer: Incoming & Outgoing – Next business day $5.00/Each
High-Yield Checking Account Maintenace Fee (If requirements not met) $10.00/month
Holiday Share Early Withdrawal (February 1 – October 14) FREE
Inactivity Fee (after 12 months without activity)** $20.00/Month
IRA Transfer Fee $25.00/Each
Levy / Garnishment Processing $75.00
Loan Payment Using Debit Card (through Online Banking) $7.00/Each
Money Orders $2.00/Each
Non-CO-Op ATM fee $3.00/Each
Non-Sufficient Funds(NSF) $32.00
Official Check Fee: Members $2.00/Each
Official Check Fee: Non-Member $15.00/Each
Overdraft Fee $32.00
Overdraft Protection Transfer Fee $5.00/Each*
Paper Statement Fee $10.00/Month
Pay-by-Phone (Non SFCU) Fee $20.00
Re-Open Membership FREE
Returned Mail Fee FREE
Skip A Pay Fee $40.00
Stop Payment $32.00
Wire Transfer: Incoming Domestic
 $10.00
Wire Transfer: Outgoing Domestic
 $20.00
*Does not apply to withdrawals from a Home Equity Line of Credit (HELOC) or Personal Access Line of Credit (PAL).
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