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of Deposits |
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of Fees | Privacy
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| 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:
Services
|
Certificate
of Deposits |
Schedule
of Fees | Privacy
Policy
|
|
|
|
Regular Shares
(no insurance) |
25.00 |
.50% |
|
Regular Shares
(insurance) |
25.00 |
.25% |
|
| Share Drafts |
65.00 |
.10% |
|
| Christmas Club |
5.00 |
.50% |
|
| Money Fund |
10,000.00 |
.75% |
|
| IRA |
25.00 |
1.01% |
|
*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. ) |
|
|
|
|
| 12 Month |
1.41% |
|
| 6 Month |
1.01% |
|
| IRA 12 Month CD |
1.41% |
|
| IRA
6 Month CD |
1.01% |
| (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on funds withdrawn prior to maturity on all CD accounts.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. ) |
|
Services
|
Certificate
of Deposits |
Schedule
of Fees | Privacy
Policy
|
|
| 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 |
Monthly Maintenance
Below
Minimum Balance
NSF Draft
Copy of Draft
Stop Payment
Insufficient Funds
Account Research (per hour)
Copy of Statement
Uncollected Funds
Sweep Account |
$2.00
$3.00
$20.00
$3.00
$20.00
$20.00
$20.00
$3.00
$3.00
$2.00 |
| Checks |
NSF - Return Items
Copy
Stop Payment
Uncollected Funds |
$20.00
$3.00
$20.00
$20.00 |
| Wire
Transfers |
Outgoing
Outgoing Repetitive
Outgoing Foreign
Incoming Domestic
Incoming Foreign |
$20.00
$15.00
$35.00
$5.00
$20.00 |
| Treasurer's
Checks |
| $2.00 Payable to Non
Members |
| Microfilm or
Fiche |
| Copies |
$1.00 per page |
| Non-sufficient
Funds |
ACH Returns
ATM
Transaction
Debit Card |
$20.00
$20.00
$20.00 |
| IRA
Annual Fee (assessed each May) |
$15.00 |
| Dormant Account Fee |
$20.00 |
| 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
$53.00 |
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 |
$8.00
$20.00
$3.00
$20.00
$20.00
$3.00
$2.00 |
| 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 |
Schedule
of Fees | 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 |
Schedule
of Fees | Privacy
Policy
|
