Current Rates & Fees
Share and Club Rates |
| Amount |
Interest Rate |
APY |
| $25.00 - $499.99 |
0.20 |
0.20 |
| $500.00 - $ 2,499.99 |
1.10 |
1.11 |
| $2,500.00 - $9,999.99 |
1.25 |
1.26 |
| $10,000.00 - $24,999.99 |
1.40 |
1.41 |
| $25,000.00 or more |
1.45 |
1.46 |
19 Years and Under
Share Rates |
| Amount |
Interest Rate |
APY |
| $25.00 or more |
1.45 |
1.46 |
IRA Share Rates |
| Amount |
Interest Rate |
APY |
| $25.00 or more |
2.35 |
2.38 |
Daily Action Rates |
| Amount |
Interest Rate |
APY |
| $0.00 - $1999.99 |
0.00 |
0.00 |
| $2000.00 - $ 4,999.99 |
1.65 |
1.66 |
| $5,000.00 - $49,999.99 |
1.80 |
1.81 |
| $50,000.00 - $99,999.99 |
2.05 |
2.07 |
| $100,000.00 or more |
2.35 |
2.38 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
Certificate of Deposit
Rates |
| Term |
Interest Rate |
APY |
| 6 Month CD ($1,000 minimum) |
3.00 |
3.04 |
| 6 Month Jumbo CD ($50,000 minimum) |
3.10 |
3.14 |
| 6 Month Super Jumbo CD ($100,000 minimum) |
3.20 |
3.25 |
| 1 Year CD ($1,000 minimum) |
3.10 |
3.14 |
| 1 Year Jumbo CD ($50,000 minimum) |
3.20 |
3.25 |
| 1 Year Super Jumbo CD ($100,000 minimum) |
3.30 |
3.35 |
| 2 Year CD ($1,000 minimum) |
3.30 |
3.35 |
| 2 Year Jumbo CD ($50,000 minimum) |
3.40 |
3.45 |
| 2 Year Super Jumbo CD ($100,000 minimum) |
3.50 |
3.56 |
| 3 Year CD ($1,000 minimum) |
3.50 |
3.56 |
| 3 Year Jumbo CD ($50,000 minimum) |
3.60 |
3.66 |
| 3 Year Super Jumbo CD ($100,000 minimum) |
3.70 |
3.76 |
| 4 Year CD ($1,000 minimum) |
3.70 |
3.76 |
| 4 Year Jumbo CD ($50,000 minimum) |
3.80 |
3.87 |
| 4 Year Super Jumbo CD ($100,000 minimum) |
3.90 |
3.97 |
| 5 Year CD ($1,000 minimum) |
3.95 |
4.02 |
| 5 Year Jumbo CD ($50,000 minimum) |
4.05 |
4.13 |
| 5 Year Super Jumbo CD ($100,000 minimum) |
4.15 |
4.20 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
IRA Rates |
| Term |
Interest Rate |
APY |
| 1 Year IRA CD |
3.10 |
3.14 |
| 1 Year Jumbo IRA CD |
3.20 |
3.25 |
| 1 Year Super Jumbo IRA CD |
3.30 |
3.35 |
| 2 Year IRA CD |
3.30 |
3.35 |
| 2 Year Jumbo IRA CD |
3.40 |
3.45 |
| 2 Year Super Jumbo IRA CD |
3.50 |
3.56 |
| 3 Year IRA CD |
3.50 |
3.56 |
| 3 Year Jumbo IRA CD |
3.60 |
3.66 |
| 3 Year Super Jumbo IRA CD |
3.70 |
3.76 |
| 4 Year IRA CD |
3.70 |
3.76 |
| 4 Year Jumbo IRA CD |
3.80 |
3.87 |
| 4 Year Super Jumbo IRA CD |
3.90 |
3.97 |
| 5 Year IRA CD |
3.95 |
4.02 |
| 5 Year Jumbo IRA CD |
4.05 |
4.13 |
| 5 Year Super Jumbo IRA CD |
4.15 |
4.20 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
Educational IRA Rates |
| Term |
Interest Rate |
APY |
| 1 Year CD |
3.10 |
3.14 |
| 2 Year CD |
3.30 |
3.35 |
| 3 Year CD |
3.50 |
3.56 |
| 4 Year CD |
3.70 |
3.76 |
| 5 Year CD |
3.95 |
4.02 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
Roth IRA Rates |
| Term |
Interest Rate |
APY |
| 1 Year CD |
3.10 |
3.14 |
| 2 Year CD |
3.30 |
3.35 |
| 3 Year CD |
3.50 |
3.56 |
| 4 Year CD |
3.70 |
3.76 |
| 5 Year CD |
3.95 |
4.02 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
Roth IRA Conversion
Rates |
| Term |
Interest Rate |
APY |
| 1 Year Conv. IRA CD |
3.10 |
3.14 |
| 1 Year Jumbo Conv. IRA CD |
3.20 |
3.25 |
| 2 Year Conv. IRA CD |
3.30 |
3.35 |
| 2 Year Jumbo Conv. IRA CD |
3.40 |
3.45 |
| 3 Year Conv. IRA CD |
3.50 |
3.56 |
| 3 Year Jumbo Conv. IRA CD |
3.60 |
3.66 |
| 4 Year Conv. IRA CD |
3.70 |
3.76 |
| 4 Year Jumbo Conv. IRA CD |
3.80 |
3.87 |
| 5 Year Conv. IRA CD |
3.95 |
4.02 |
| 5 Year Jumbo Conv. IRA CD |
4.05 |
4.13 |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APY - Annual Percentage Yield. Maintenance or activity fees could reduce the earnings on the account. Penalties may be imposed for early withdrawal. Please review our Truth
in Savings Disclosure for more information.
|
Secured Non Real
Estate Loans |
| 36 Months or less |
Rates as low as 5.19% APR* |
| 48 Months |
Rates as low as 5.19% APR** |
| 60 Months |
Rates as low as 5.19% APR*** |
| 72 Months |
Rates as low as 5.89% APR**** |
| VISA |
| VISA Classic |
$500.00 Minimum |
11.9% APR |
| VISA Gold |
$5000.00 Minimum |
9.9% APR |
| Unsecured Loans |
| 36 Months or less |
Rates as low as 7.95% APR |
All Rates as of July 21, 2008. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
Loan example for a secured non-real estate loan:
* $30,000.00 at 5.19% APR for 36 months = 901.78 per month.
** $30,000.00 at 5.19% APR for 48 months = 693.55 per month.
*** $30,000.00 at 5.19% APR for 60 months = 568.84 per month.
**** $30,000.00 at 5.89% APR for 72 months = 495.72 per month
|
FAMILY
SECURITY CREDIT UNION FEE SCHEDULE EFFECTIVE APRIL 1,
2007 |
| Account Closing Fee (Within
90 days of opening) |
$15.00 |
| Account History Fee |
$2.00 per page |
| Account Re-Opening Fee |
$15.00 |
| Account Research |
$15.00 per hour |
| American Express Gift Check
Fee |
$2.50 |
| ATM Fee (Foreign) |
$1.00 |
| Automatic Savings Overdraft Fee |
$5.00 each |
| Business Checking Account |
$10.00 per month |
| Business Deposited Item Returned |
$2.50 each |
| Card Replacement |
$5.00 |
| Cashier’s Checks (Excludes members age 50 & older) |
$3.00 |
| Check Cashing Fee (Without compensating balance) |
1 % of check amount |
| Check Copies |
$2.00 each |
| Collection Items (Replacing NSF Checks) |
$5.00 |
| Deposited Item Returned |
$5.00 |
| Dormant Account Fee |
$10.00 per month |
| Give Me a Break Checking Account |
$10.00 per month |
| Inactive Member (after 1 year without financial activity & less than $100 on deposit & no other active services (excludes members younger than age 19.) |
$10.00 per month |
| Late Fee on Delinquent
Loans |
Greater of $10.00 or 5% of the amount of the
scheduled payment up to $100.00 |
| Late Fee on VISA Credit
Card Accounts |
$20.00 |
| Levy Fee (Court, Garnishment,
IRS, Government or Tax) |
$25.00 |
| Loan Application Fee (Excludes
fully share secured loans, Indirect Loans and VISA. Application
fee’s for Real Estate loans are subject to Real Estate Department
Guidelines) |
$10.00 |
| Minimum Balance Violations
(Share Accounts only) |
$5.00 per month |
| Miscellaneous Copies |
$1.00 per copy |
| Money Orders |
$2.00 each |
| Negative Balance Fee |
$20.00 |
| NSF (ACH, Checks, Returned
Item, etc.) |
$25.00 per item |
| Overdraft Advantage NSF
Transfer Fee |
$2.00 per transfer |
| Overdraft Privilege Paid
Item (Overdraft Privilege Paid Item fee created by checks, in-person
withdrawals, ATM withdrawals, Debit Card, or by other electronic means,
etc.) |
$25.00 |
| Overdraft Privilege Collection
Fee |
$15.00 |
| Return Mail Fee |
$1.50 |
| Safe Deposit Boxes (Annual
Rental) |
| 3 x 5 |
$15.00 |
| 3 x 10 |
$30.00 |
| 5 x 10 |
$45.00 |
| 10 x 10 |
$95.00 |
|
| Safe Deposit Box Late
Fee |
$5.00 per month |
| Safe Deposit Box Key Replacement |
Replacement cost |
| Statement Copies |
$2.00 per page |
| Stop Payments |
$25.00 per item |
| Telephone Transfers (Excludes
members age 50 & older) |
$1.00 |
| Travelers Cheques (Excludes
members age 50 & older) |
$1.00 per $100.00 |
| Travelers Cheques for
Two (Excludes members age 50 & older) |
$1.50 per $100.00 |
| VISA Cash Advance Foreign
VISA |
$5.00 Per advance |
| VISA Over Limit Fee |
$20.00 |
| VISA Foreign Transaction
Fee |
The currency conversion rate which is either
(i) the wholesale market rate or (ii) the government mandated rate, whichever
is applicable, in effect one day prior to the processing date, increased
one-percent. |
| VISA Gift Card Fee |
$2.50 |
| Wire Transfer Fee (Domestic) |
$15.00 |
| Wire Transfer Fee (International) |
Prices Vary |
| W-7 Tax ID Application |
$15.00 |
|
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