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.
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Fee Schedule (Effective Feb 28, 2023)

Description Amount
Abandoned Property/Dormancy Processing Fee $25.00
Account Research/Statement Reconciliation FREE
ATM/Debit/Credit Card Replacement $10.00/Card
Check Cashing Fee: Non-Members $15.00/Each
Cross-Border Transaction Fee 1%
Early Account Closure Fee (Within 90 days of opening) $5
Expedited Courier Fee $35 
External Transfer: Incoming & Outgoing (<$2,500) – Standard delivery FREE
External Transfer: Outgoing (over $2,500) – Standard delivery $3.00/Each
External Transfer: Incoming & Outgoing – Next business day $5.00/Each
High-Yield Savings Account Excessive Withdrawal Fee $25/Each 
Holiday Share Early Withdrawal (February 1 – October 14) FREE
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/Each
Overdraft Protection** $32.00***
Overdraft Transfer FREE
Overdraft Tolerance** $32.00
Paper Statement Fee $3.00/Month
Pay-by-Phone (Non SFCU) Fee $20.00
Re-Open Membership FREE
Returned Mail Fee FREE
Skip A Pay Fee $40.00
Stop Payment $32.00
Wire Transfer: Incoming Domestic
 $10.00
Wire Transfer: Outgoing Domestic
 $20.00

 

* 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.

*** Per occurrence - to include repeat presentments.
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