Star One Credit Union
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Terms and Fees Disclosure

Except as specifically described, the following disclosures apply to all the accounts.


    The Dividend Rate and Annual Percentage Yield on your accounts are stated on the rate page. The Annual percentage Yield is the percentage rate that reflects the total of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union Board of Directors.

    Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

    Dividends will be compounded and credited as stated on the rate page. The Dividend Period for each account is also stated on the rate page. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

    Dividends will begin to accrue on non-cash (e.g. checks) and cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are paid, you will not receive the accrued dividends.

    The minimum balance required to open each account is stated on the rate page. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. For all accounts there is a minimum daily balance requirement to earn dividends. If you do not meet these daily balance requirements, your account may not earn dividends. 

    For money market savings accounts or special savings accounts you may not make more than six (6) preauthorized, automatic, telephonic, audio response, Internet or overdraft transfers to another account of yours or to a third party during any calendar month.  If you exceed the transfer limitations in any calendar month, your account may be subject to a transfer fee or be closed.

Checking Accounts
Monthly Service Charge:
55 Plus Club (Club benefits continue for accounts that are coded 55 Plus on or before June 30, 2000) No Charge
55-Plus Members receive up to two complimentary boxes of 120 duplicate exclusive design checks per year. (3rd and subsequent orders within one year at regular price.)  
Student Checking (age 25 and younger) No Charge
Check Printing Charges:
Initial order of 50 duplicate exclusive design checks No Charge
Super Service members receive up to two complimentary boxes of 50 duplicate exclusive design checks per year.

One box of 50 duplicate exclusive design checks.

$ 8.12
One box of 120 duplicate exclusive design checks $ 10.28
Additional styles and designs are subject to vendor pricing
Per Check Charge No Charge
Overdraft Transfer Fee (See account limitations):
From savings in $100 increments No Charge
Amount of overdraft, if less than $100 is available and balance is sufficient to cover overdraft No Charge
Check Copy** $ 2.00 each

NOTE: Up to 2 check copies with respect to each statement cycle will be provided at no charge when the following information is supplied: check number, amount, payee, posting date and trace number (posting date and trace number are shown on the monthly statement).

Rush/Faxed Check Copy $ 5.00 each
Postdated Order (per check) $ 13.00
(Postdated orders must be in writing)
Cashier's Checks
First Check over $250 No Charge
Up to 3 checks per day with account or loan relationship ≥ $5,000 or more No Charge
Each additional check(s) issued at the Teller Window $ 3.00

NOTE: No charge for checks payable to members for any amount through the Touchtone Teller or Secure Support link in Online Banking.

Stop Payment Order $ 13.00
Other Fees
Return Item Fee (per check/ACH item)
Returned due to: insufficient funds in account, closed account, refer to maker, improper completion of check, incorrect account number, check written against deposited funds not yet collected by the Credit Union, checks paid against insufficient or uncollected funds or items/checks overdrawing account paid for by the Credit Union.
$ 13.00
Foreign Check Collection Fee
(Plus any bank charges - if applicable)
$ 25.00
Domestic Check Collection Fee $ 10.00
Incoming Wire Free No Charge
Domestic Outgoing Wire Fee $ 20.00
With account or loan relationship ≥ $5,000 $ 15.00
International Outgoing Wire Fee $ 30.00
With account or loan relationship ≥ $5,000 $ 25.00
Duplicate Statement Copy $ 3.00
Legal Response Fee (per request) $ 10.00
Account Research/Reconciliation (per hour)
(Based on 15 minute increments)
$ 20.00
Expedited Package Delivery (only available for CU business)

International $45.00
Returned Deposit/Payment from member $ 13.00
Returned Deposit/Payment from non-member $ 10.00
Stop Payment Order (including ACH)
Via Branch or Call Center
Via Online Banking

$ 13.00
$ 5.00
Medallion Stamps $ 2.00
(per signature - max $ 10.00)
Travelers Checks No Charge
VISA Gift Card $ 3.95 each
Notary Fee - (per person) Limit of 1 free
2nd and subsequent notarized document $10.00
Verification of Deposits and Immigration Letters $ 5.00 each
Non-Member Check Cashing Fee $ 5.00 each
Escheat Notification - 2nd Notice $ 2.00
Escheat Notification - accounts <$25 No fee
(State Regulated)  
Invalid Address (2nd and each subsequent notice) $ 2.00
VISA Currency Conversion/Foreign Transaction Fee No Charge
Coin Redemption Fees
Redemption at self-service machine combined with account or loan relationship ≥ $5,000 No Charge
Age of primary member is under 18 No Charge
Redemption at self-service machine combined account & loan balances under $5,000 15% of coin redemption total
Redemption at teller window 20% of coin redemption total*
*Fee is applicable when coin transaction equals or exceeds standard rolled coin amounts.
Electronic Funds Transfer Fees
Transactions at Star One CU owned ATM No Charge
Point of Sale Purchases

No Charge

Transactions at Non-proprietary ATM or Merchant:
Additional fees may be imposed by the machine owner or merchant. These will be assessed and disclosed at the machine or Point of Sale terminal.
ATM Cash Withdrawals:
First twenty (20) per calendar month No Charge
21st and subsequent per calendar month $ 1.00 each
On membership accounts with deposit or loan balances that total $5,000 or more during the last five days of the previous calendar month Unlimited, No Charge

No Charge

ACH Funds Transfer Fee (restrictions apply)  
Recurring ACH Transfer Set-up (incoming) No Charge
Recurring ACH Transfer Set-up (outgoing) $ 5.00
Recurring ACH Cancellation Free (within 90 days of set-up) $ 5.00
Online Banking  
ACH Online Self Service Set-up No Charge
Each Online Standard ACH Transfer (incoming) No Charge
Each Online Standard ACH Transfer (outgoing) No Charge
Each Online Express ACH Transfer (incoming) $ 5.00
Each Online Express ACH Transfer (outgoing) $ 5.00

The rules and fees appearing in this schedule are accurate and effective for Savings and Checking Accounts as stated on our Rates page. If you have any questions or require current rate information on your accounts, please call the Credit Union at (408) 543-5202 or (866) 543-5202.
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