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Rate and Fee Schedule

Checking and savings account disclosure.

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 contact us.

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.


    The Rewards Checking account is a tiered rate account based upon satisfying certain qualifications. If a primary member* meets the Rewards Checking qualifications for a particular month, the Dividend Rate and Annual Percentage Yield for the following month will be the highest Dividend Rate and Annual Percentage Yield shown. If you do not meet the Rewards Checking qualifications in one month, the Dividend Rate and Annual Percentage Yield will be the lowest Dividend Rate and Annual Percentage Yield shown. Qualifying transactions must posted to the account prior to the last day of the month. Debit & credit card purchases can take up to 3 days to post and are dependent on merchant processing times.

    *All membership accounts individual named the primary member must meet all qualifications.

    The qualifications for Rewards Checking enhancements include:

    • 10 debit or credit card purchases per month
    • enroll in and maintain eStatements, eNotices, eTax & eCoupons for all of your accounts and loans
    • $300 minimum monthly ACH credit transaction or $5000 in deposit or loan balances

    In addition to a higher Rewards Checking Dividend Rate and Annual Percentage Yield, the benefits include:

    • No monthly service fee
    • Free Bill Pay
    • Surcharge refund up to $20/mo per member
    • Note: Qualified members who use out-of-network ATMs in the month following qualification will be rebated surcharges in the next month. Members with multiple memberships, the rebate will be posted to the checking account of the lowest numbered membership.
    • 1 box of 50 duplicate exclusive design checks per order at no charge
    • Unlimited Star One ATM withdrawals ... no charge

    Checking Accounts
    Monthly Service Charge:
    Free, Rewards and Student CheckingNo Charge
    Student Checking (age 25 and younger) Surcharge refund up to $10/mo per member.No Charge
    Check Printing Charges:
    Initial order of 50 duplicate exclusive design checks No Charge
    One box of 50 duplicate exclusive design checks. $ 7.75
    One box of 100 duplicate exclusive design checks
    Additional styles and designs are subject to vendor pricing
    $ 10.72
    Per Check ChargeNo Charge
    Overdraft Transfer Fee (See account limitations):
    From savings in $100 incrementsNo Charge
    Amount of overdraft, if less than $100 is available and balance is sufficient to cover overdraftNo Charge
    Check Copy**
    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).
    $ 2.00 each
    Rush/Faxed Check Copy$ 5.00 each
    Postdated Order (per check) (Postdated orders must be in writing) $ 15.00
    Bill PayNo Charge
    Cashier's Checks
    First Check request per dayNo Charge
    Up to 3 checks per day with account or loan relationship ≥ $5,000 or moreNo Charge
    Each additional check(s) issued at the Teller Window
    NOTE: No charge for checks payable to members for any amount through the Touchtone Teller or Secure Support link in Online Banking.
    $ 3.00
    Stop Payment Order$ 15.00
    Other Fees
    Return Item Fee/Overdraft Fee (per check/ACH item)
    1st occurrance free in year, subsequent items
    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 (Courtesy Pay).

    $ 15.00
    Courtesy Pay Negative Balance Threshold Limit No charge for $30 or under
    Foreign Check Collection Fee (Plus any bank charges - if applicable)$ 50.00
    Domestic Check Collection Fee$ 20.00
    Outgoing International ACH (Limited Countries) $ 20.00
    Incoming International ACH Fee No Charge
    Incoming Wire FeeNo Charge
    Domestic Outgoing Wire Fee$ 40.00
    With account or loan relationship ≥ $5,000$ 30.00
    International Outgoing Wire Fee$ 60.00
    With account or loan relationship ≥ $5,000$ 50.00
    Duplicate Statement Copy$ 3.00
    Legal Response Fee (per request)$ 28.00
    Account Research/Reconciliation (per hour) (Based on 15-minute increments)$ 28.00
    Expedited Package Delivery, Domestic
    Only available for CU business
    Subject to vendor pricing
    Expedited Package Delivery, International
    Only available for CU business
    Subject to vendor pricing
    Returned Deposit/Payment from member$ 15.00
    Returned Deposit/Payment from non-member$ 10.00
    Stop Payment Order (including ACH)
    Via Branch or Call Center
    Via Online Banking

    $ 15.00
    $ 5.00
    Medallion Stamps (per person)
    2nd and subsequent signature
    Limit of 1 free
    $ 10.00
    Travelers ChecksNo 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 <$25
    State Regulated
    No Charge
    Invalid Address (2nd and each subsequent notice)$ 2.00
    VISA Currency Conversion/Foreign Transaction FeeNo Charge
    Replacement CardsFirst free per year, subsequent $5.00
    Electronic Funds Transfer Fees
    Transactions at Star One CU owned ATMNo Charge
    Point of Sale PurchasesNo Charge
    Transactions at non-proprietary ATM or merchant:
    Additional fees may be imposed by the machine owner or merchant. These will be assessed and disclosed at the machine or Point of Sale terminal.
    ATM Cash Withdrawals:
    First twenty (20) per calendar monthNo Charge
    21st and subsequent per calendar month$ 1.00 each
    On membership accounts with deposit or loan balances that total $5,000 or more during the last five days of the previous calendar monthUnlimited, No Charge
    TransfersNo Charge
    ACH Funds Transfer Fee (restrictions apply)
    Recurring ACH Transfer Set-up (incoming)No Charge
    Recurring ACH Transfer Set-up (outgoing)$ 5.00
    Recurring ACH Cancellation Free (within 90 days of set-up)$ 5.00
    Online Banking
    ACH Online Self Service Set-upNo 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