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 Feb 1, 2021)

Description Amount
Abandoned Property/Dormancy Processing Fee $25.00
Account Research/Statement Reconciliation $20.00 / Hour
ATM/Debit/Credit Card Replacement $10.00
Check Cashing Fee: Non-Member $15.00
External Transfer: Incoming & Outgoing (<$2,500) – Standard delivery No Charge
External Transfer: Outgoing (over $2,500) – Standard delivery $3.00
External Transfer: Incoming & Outgoing – Next business day $5.00 / Item
Holiday Share Early Withdrawal (February 1 – October 14) $5.00 / Each
Inactivity Fee (after 12 months without activity)* $20.00 / Month
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)/Electronic Transaction $32.00
Official Check Fee: Members $2.00 / Each
Official Check Fee: Non-Member $15.00
Overdraft Transfer FREE
Overdraft Tolerance** $32.00
Paper Statement Fee $3.00 / Month
Pay-by-Phone (Non SFCU) Fee $10.00
Re-Open Membership FREE
Returned Mail Fee FREE
Returned Deposit/Payment (3rd Party NSF) $32.00
Skip A Pay Fee $35.00
Stop Payment $32.00
Wire Transfer: Incoming Domestic
Wire Transfer: Outgoing Domestic


* Inactivity refers to zero transactions on the membership share and any accounts under the same membership in a 12 month period. Any transactions on any accounts under the membership, would avoid an inactivity fee.

** Applies to overdrafts created by check, in-person withdrawal, ATM Withdrawal, or other electronic means. Overdraft Tolerance refers to any transaction that draws an account below zero, creating a negative balance. When this occurs a fee will be assessed. The fee and the negative balance must be funded to bring the account into good standing.
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