Fee Schedule

As of August 1, 2018
Membership Fees:
To join FSCU $  1.00 per Membership Account
Consumer Shares Required $25.00 per Membership Account
Business Shares Required $25.00 per Business Membership Account
Membership Account Closing $25.00 forfeited if closed within 45 days of opening
Savings Account Fees:
Dormant Account Fee $  5.00 per month for balances under $250 after 1 year inactivity
Share Transaction Over 6 per month $10.00 per transaction
Share Draft Fees:
Insufficient Funds Charge $25.00 per item
Diamond Shield Monthly Service Charge $  7.00 per month
Just For You Checking Monthly Service Charge $  5.00 per month on balances less than $500.00
1-9 checks per month - Free
$ .40 per check charge after the first 10 processed
Reject Item Fee $  2.50 per item
Stop Payment Order $25.00 per item
Tranzact Check Copy$ 2.50 per copy
Business Checking Account Fees:
Minimum Opening Deposit $100.00
Insufficient Funds Charge $25.00 per item
Monthly Service Charge $10.00 per month on balances less than $100.00
Check Processing Fee 1-50 checks per month – Free
51 checks or greater - $.10 per checks
Reject Item Fee $  2.50 per item
Stop Payment Order $25.00 per item
Tranzact Check Copy $  2.50 per copy
Other Service Fees:
Account Research $25.00 per hour
Copy $ .10 per page
Bill Payment Inactive Fee $  7.00 per month after 90 days of inactivity
Deposited Item Return Fee $25.00 per item
Fax $  1.00 per page
Member Wire Transfer $25.00 per item
Replacement/Instant Issue Debit Card Fee $ 10.00 per card
Statement History (< 30 days) $  2.00 per history
Statement-Over the Counter (> 30 days) $  3.00 per statement
Check Cashing Fee 5% of the check amount
Card Valet No Charge; free to the member
Coin Sort - Member 3% of transaction if funds are deposited
5% of transaction if cash back
Coin Sort - Non-Member 10% of transaction
Credit/Debit Card Transaction $10.00 InPerson or Telephone
We accept VISA, MASTERCARD, DISCOVER $  7.50 WebPage
PopMoney $   .50 Standard (1-3 Business Day Delivery after Acceptance)
$   .85 Next Business Day Delivery after Acceptance
Lending:
Non-refundable Consumer Loan Documentation Fee
$40.00 per loan/advance
Consumer Loan Payment-Late Fee $20.00 per payment
Non-refundable Loan Application Fee $10.00 on Open-End Lending Application
Non-refundable Non-Compliant Insurance Fee 1% of principal loan balance monthly (Cap 3 occurances)
PayDay Alternative Application Fee $ 20.00 per application
PayDay Alternative Late Fee $20.00 per payment
Credit Card:
Credit Card Payment-Late Fee $25.00 first occurrence only
$35.00 per payment thereafter
Return Check Fee $25.00 per check
Documentation Fee $15.00 document copy
Replacement Card Fee $ 10.00 per card
Card Recovery Fee $65.00 per card
International Transaction Fee 1% of transaction amount