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SJB Federal Credit Union

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Services | Certificate of Deposits | CD Rate Calculator | Schedule of Fees | Privacy Policy
As a member of SJB Federal Credit Union, you own a share in your credit union's business.  You vote for your Board of Directors.  And, you share in the success of your organization.  All the credit union earnings are returned to members in the form of dividends or other benefits after expenses and legal reserve.
ATM/Debit Cards
(SecureCode, MasterCard)

Certificates of Deposits (rates)
Checking Accounts

Reorder Checks On-Line
Christmas Clubs (rates)
Direct Deposits
IRA CD Accounts (rates)
Money Orders
Payroll Deductions
Safety Deposit Boxes
Savings Accounts (rates)
Stop Payments Orders
Telephone Transfers
Vacation Clubs
Wire Transfers
Notary Service
Convenient Hours

Resource Links:

Auto & Home Insurance
Term Life Insurance for Loans
Disability Insurance for Loans


Brokerage Center Insurance & Investments Money Management Education Center



Services | Certificate of Deposits | CD Rate Calculator | Schedule of Fees | Privacy Policy
Savings
Type Minimum APY*

Regular Shares
(no insurance)
25.00 .15%

Regular Shares
(insurance)
25.00 .10%

Share Drafts 65.00 .05%

Christmas Clubs 5.00 .15%

Vacation Clubs 5.00 .15%

Money Fund 10,000.00 .15%

IRA 25.00 .20%


*Annual Percentage Yield
(Annual Percentage Yield (APY)subject to change. • Interest is compounded daily and credited monthly or paid at maturity. Interest is paid for each day funds remain on deposit. • Request further information concerning any fees and terms applicable to the advertised accounts. )

Certificate of Deposit Rates
Certificate of Deposit Rate APY*
6 Month .30% .30%

12 Month .50% .50%

IRA 6 Month CD .30% .30%

IRA 12 Month CD .50% .50%


(Annual Percentage Yield (APY) subject to change. • $1000 to open account. • Interest is compounded monthly and credited monthly or paid at maturity. Interest is paid for each day funds remain on deposit. • A substantial penalty is assessed on funds withdrawn prior to maturity on all CD accounts. • Request further information concerning any fees and terms applicable to the advertised accounts. )

CD Rate Calculator

This CD rate calculator is strictly for your private use and convenience.  No information is sent to any other party, not even SJBFCU.

The results of this CD rate calculator are for demonstration purposes only.  Results obtained with this calculator are an estimate only of interest earned, if available at the terms entered.  Actual rates will be based on individual needs and intents.  The results are not guaranteed to be accurate and in no way endorsed, offered or guaranteed by this financial institution.   For more information visit us today, call us at (508) 672-6575.
To use the calculator:

  1. Enter the dollar amount of the CD in the space labeled "Principal".
  2. Enter the interest rate (for rate information see the Certificate of Deposit Rates above.) for the appropriate CD Term you desire in the space labeled "Interest Rate". 
  3. Select the length of the CD using the dropdown labeled "Term".
  4. Leave all other spaces blank.
  5. Click on the button labeled "Calculate Rate!".


SJB Federal Credit Union

Loan Application
Enter Savings Terms here
Principal:
Interest Rate:
Term:

Results
Interest Gained:
Final Balance:

Services | Certificate of Deposits | CD Rate Calculator | Schedule of Fees | Privacy Policy
Schedule of Fees — Effective September 1, 2006
FEES SUBJECT TO CHANGE WITHOUT NOTICE
SJB’s ATM Card
There is no charge for an SJB's ATM Card and there is no charge to use any SJB Federal Credit Union ATM's. There is a $1 charge for withdrawals or balance inquires at any terminal not owned by SJB Federal Credit Union.

Share Drafts
NSF Draft
Stop Payment
Insufficient Funds
Account Research (per hour)
Copy of Statement
Uncollected Funds
Sweep Account
$25.00
$25.00
$25.00
$25.00
$3.00
$5.00
$3.00

Checks
NSF - Return Items
Stop Payment
Uncollected Funds
$25.00
$25.00
$25.00

Wire Transfers
Outgoing
Outgoing Repetitive
Outgoing Foreign
Incoming Domestic
Incoming Foreign
$20.00
$15.00
$35.00
$5.00
$20.00

Treasurer's Checks
$3.00 Payable to Non Members

Microfilm or Fiche
Copies $1.00 per page

Non-sufficient Funds
ACH Returns
ATM Transaction
Debit Card
$25.00
$25.00
$25.00

Money Orders $2.00

IRA Annual Fee (assessed each May) $15.00

Dormant Account Fee $25.00

Liens, Levies or Legal $25.00
(+ Copies
$1.00 per page)

Safety Deposit Boxes
3x5
5x5
3x10
5x10
6x10
10x10
Key replacement (per set of two)
$20.00
$25.00
$35.00
$45.00
$50.00
$75.00
$5.00

Business Checking
  • Only $100.00 deposit to open.
  • All fees waived if you maintain a daily average balance of $5,000 for the month; otherwise reasonable fees.
Monthly service charge
Returned deposit item
Copy of statement
Account research (per hour)
Stop payment
Uncollected Funds
Sweep Account
$10.00
$25.00
$25.00
$25.00
$5.00
$3.00

Miscellaneous
Lost Passbook Reissued
Triplicate ATM/Debit card
Notary Public service*
Signature guarantee*



*Existing Members Only
$5.00
$5.00
no charge
no charge

FEES SUBJECT TO CHANGE WITHOUT NOTICE

Services | Certificate of Deposits | CD Rate Calculator | Schedule of Fees | Privacy Policy
Privacy Policy
To Our Valued and Trusted Members

This Credit Union is committed to making available financial products and services that will enable you to meet your financial needs and reach your financial goals. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with the Credit Union.

As a member of this Credit Union, you also have the responsibility to safeguard your financial information. To ensure that you can rely upon the quality of products and services we make available, this Credit Union Stands behind the following privacy policy:

This Credit Union will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide competitive financial products and services – no more.

This Credit Union will protect your personal information. We will maintain strong security controls to ensure that members’ information in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

As a member of this Credit Union, you will always have access to your information and you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

This Credit Union will share information only when absolutely necessary. We will share information only to administer the products and services we provide, when required to so so by the government, or when we partner with other businesses to offer a broader array of products and services.

This Credit Union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members’ economic well being.

Under no circumstance will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

This Credit Union will offer you a choice in how your member information is used. Any member of this Credit Union may elect to keep their information from being shared with our business partners.

We will inform you on how to exercise your choice, and we will take all reasonable steps to make sure your requests are followed.

Thanks to all of our members.
Services | Certificate of Deposits | CD Rate Calculator | Schedule of Fees | Privacy Policy
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SJB Federal Credit Union
1101 Stafford Road
Fall River, MA 02721
Telephone: (508) 672-6575
Fax:  (508) 672-8300
Email:  info@sjbfcu.com
Web Site:  www.sjbfcu.com

NMLS ID#: 766951

SJB Federal Credit Union

      © Copyright 2001 SJB Federal Credit Union. All Rights Reserved.