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Rate and Fee Schedule
By vote of the membership, this institution is not federally insured, and if this institution fails, the federal government does not guaratee that depositors will get back their money. Each member account is insured to $250,000 by American Share Insurance, a Credit Union Share Guaranty Corporation.
Fees subject to change - Effective NOVEMBER 15, 2012
FEE SCHEDULE ATM/Visa Debit Card Fee Replace Lost ATM/Card: $8.00 Reissue PIN: $6.00 Visa International Transaction $2.00 + 1% Non-Sufficient Paid $28.00 Block on Debit Cards for Misuse $10.00 Supersaver Fee Balance below 2,500.00 $3.00 per month (eff. Aug.15, 2010) Share Draft Fee Monthly Maintenance Fee $3.00 ($1 discount for e-statements) NSF Return $30.00 NSF Paid-Cleared Negative $30.00 Stop Payment on Check/Share Draft $28.00 NSF Phone Call $16.00 Overdraft Paid by Line of Credit $10.00 Auto Overdraft from Shares 6 x Per Month Max $3.00 Manual Overdraft from Shares After 6 Auto Max $6.00 Check Research & Reconciliation Assistance $25.00/hr Copy of Share Draft $2.00 Business Account (assessed according to transaction volume) $3.00, $8.00, $12.00 or $18.00 NSF Return on Deposited Check $12.00 Manual Check/Share Draft Posting $1.00 Negative Account Balance Fee (after 5 days) $18.00/mo VISA Gift/Travel Money Cards Fee VISA Gift Card Purchase **Free for Members VISA Travel Money Purchase $5.00 VISA CU Money $6.95 CU Money Prepaid Card Loan $6.95 VISA CU/Travel Money Transfer $2.00 Miscellaneous FEES Statement Copy $1.00, first 3 pages, then $.50/page. Verification of Accounts $4.00 Early Account Closing Fee (less than 90 days) $10.00 Credit Union Official Checks 1 free per month then $3.00 each Funds delivery fee $5.00 Incoming Wire $5.00 Outgoing Wire $30.00 Foreign Wire $50.00 Prenotes with Incorrect Number $5.00 Notary $2.00 non members Non-Member Check Cashing (with CU approval) $5 min or 1% with max of $25 Non-participation Account (inactive over 12 mos) $5.00 quarterly Below $10 Minimum Balance $1.00 Loan Skip Payment $28.00 Title Fee Current state fees UCC-1 Fee Current state fees Christmas Club – Early Withdrawal Fee $5.00 Vacation Club – Early Withdrawal Fee $5.00 Return Mail $5 then $5.00/per quarter until corrected Garnishment/Levy $45.00 Response to Subpoena $45.00 minimum Late Loan Payment 5% of pmt amt or $15, whichever is greater FAX - Incoming/Outgoing $1.00 first 3 pages, then .50/page IAT - International ACH Fee $5.00 Verification of Accounts Fee $3.00 CHECK CARD FEES AND LIMITS FEE DESCRIPTION FEE Negative Balance $25.00 $1.50 or 1% whichever is greater International fee for use in foreign countries.
Limits:
$400.00 cash from ATM per day
$1500.00 in purchases per day
American Share Insurance privately insures this credit union. This credit union is not federally insured, and if this institution fails, the federal government does not guarantee that depositors will get back their money. St. Joe Valley Credit Union is not liable for content or availability of linked sites. This site was designed and is maintained by League Services, Inc.
Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 208-245-4231 for assistance. Products and services available on this website are available at our office located at 129 South 9th Street, St. Maries, Idaho 83861.
