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.

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
Wire Transfer: Outgoing Domestic
*Does not apply to withdrawals from a Home Equity Line of Credit (HELOC) or Personal Access Line of Credit (PAL).
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