Personal account and service fees
Oregon State Credit Union Membership
Effective Date: Friday, June 2nd, 2023
| Fee type | Product fees |
|---|---|
| Age 0 to 12 | No charge |
| TLT - age 13 to 18 | $5.00 |
| All others | $10.00 |
| Membership closure fee (if closed within 120 days) | $10.00 |
| Inactive membership fee | $5.00/month |
Savings account fees
Effective Date: Friday, June 2nd, 2023
| Fee type | Product fees |
|---|---|
| Basic Savings account | |
$250 minimum balance |
No charge |
Less than $250 minimum balance |
$3.00 / calendar month |
| Scottie Savers Club - Age 0 to 12 | No charge |
| TLT Savings account | No charge |
Basic Savings must maintain a minimum daily balance of more than $250 or, if less than $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. The $3.00 fee is not applicable to Scottie Savers or TLT Accounts.
| |
See savings disclosures, rates and fees
Checking account and ATM fees
Effective Date: Friday, June 2nd, 2023
| Product type | Essential | Enhanced | Premier |
|---|---|---|---|
| Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. See the Member Merits reward program page for details. | |||
| Free Checking | $0.00 | $0.00 | $0.00 |
| TLT Teen Checking | $0.00 | $0.00 | $0.00 |
| Platinum Checking | $0.00 | $0.00 | $0.00 |
| Overdraft paid | |||
$5.00 or less |
No fee | No fee | No fee |
$5.01 or greater |
$30.00 per presentment** | $30.00 per presentment** | $30.00 per presentment** |
| Overdraft returned | |||
$5.00 or less |
No fee | No fee | No fee |
$5.01 or greater |
$30.00 per presentment** | $30.00 per presentment** | $30.00 per presentment** |
** Overdraft fees are limited to a daily maximum of 5 overdraft fees per day. Overdraft fees assessed can be overdraft paid fees, overdraft returned fees, or a combination of both. If we do not pay an overdraft item, there may be a fee as set forth within our fee schedule. We may charge a fee each time an item is submitted or resubmitted for payment. Therefore, you may be assessed more than one overdraft fee as a result of a returned item or resubmission(s) of the returned item. | |||
| Overdraft protection transfer | |||
From savings, per transfer |
$4.00 | $3.00 | $0.00 |
From Visa® / PLOC, per transfer |
$4.00 | $3.00 | $0.00 |
| Plastic card replacement | $5.00 | $5.00 | $5.00 |
| Stop payment | $25.00 | $20.00 | $10.00 |
| Check copy | $5.00 | $3.00 | $1.00 |
| Personal checks | |||
Temporary check, per page |
$2.00 | $1.00 | $0.00 |
Check printing fee depends on the style and quantity ordered | |||
| Online account access and bill pay | $0.00 | $0.00 | $0.00 |
| Non-MICR encoded checks, per item | $5.00 | $5.00 | $5.00 |
| Mis-encoded checks, per item | $5.00 | $5.00 | $5.00 |
| Dishonored non-credit union checks written by member, per check | $30.00 | $30.00 | $30.00 |
| ATM transaction fees | |||
Oregon State Credit Union-owned |
$0.00 | $0.00 | $0.00 |
CO-OP® network ATM transactions per month | |||
Up to six |
$0.00 | $0.00 | $0.00 |
Seven or more |
$1.50 | $0.00 | $0.00 |
All other ATMs |
$1.50 | $1.50 | $0.00 |
See checking disclosures, rates and fees
Money Market monthly account fees
Effective Date: Friday, June 2nd, 2023
| Account | Essential | Enhanced | Premier |
|---|---|---|---|
| Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. See the Member Merits reward program page for details. | |||
| Money Market | |||
Balances of $1,000 of more |
$0.00 | $0.00 | $0.00 |
Balances of less than $1,000 |
$15.00 | $10.00 | $5.00 |
| Investor's Money Market | |||
Balances of $10,000 or more |
$0.00 | $0.00 | $0.00 |
Balances less than $10,000 |
$20.00 | $15.00 | $5.00 |
Early closure fee (accounts held less than 90 days) |
$55.00 | $55.00 | $55.00 |
See Money Market disclosures, rates and fees
Miscellaneous account and service fees
Effective Date: Friday, June 2nd, 2023
| Fee type | Product fees |
|---|---|
| Account research | $25 / hour |
| Bad address fee | $5 / month |
| Cash advance in-branch (non Oregon State CU credit or debit card) | $15 |
| Cashier's check | |
Cashier's check |
$5 / check |
Stop payment |
$30 |
| Domestic wire transfers | |
Outgoing Western Union |
$35.00 / $10,000 wire |
Outgoing | |
Essential Member Merits |
$30.00 |
Enhanced Member Merits |
$20.00 |
Premier Member Merits |
$5.00 |
| Endorsement stamps | $25.00 per stamp |
| International wire transfers | |
U.S. funds |
$35.00 + third party fees |
Foreign currency |
$35.00 + third party fees |
With third party fees included, total cost will range from $58 to $101 | |
| Incoming wire | |
Essential Member Merits |
$15.00 |
Enhanced Member Merits |
$10.00 |
Premier Member Merits |
$0.00 |
| IRA plan early closure fee (if closed within 180 days) | $25.00 |
| IRS incorrect SSN/TIN fee | Actual charge |
| Pre-paid Visa® card | |
Reload |
$3 |
Standard issue |
$6.95 |
Personalized |
$11.95 |
| Plastic card replacement | $5 / card |
| Pay by phone, fee per transaction | |
Essential Member Merits |
$15.00 |
Enhanced Member Merits |
$10.00 |
Premier Member Merits |
$5.00 |
Pay an Oregon State Credit Union loan from a checking account at another financial institution | |
| Statement copy | $5 / statement |
| Interim statement copy | $5 / copy |
| Returned deposited item | $10 / item |
| Returned item deposited through CU service center location | $10 / item + correspondent fees |
| Check collections or exchange | $10 + third party fees |
| Electronic bill paying | |
Online account access |
No charge |
Online bill pay |
No charge |
Bill pay stop payment |
$25 |
| Deposit bag | $7 per bag |
| Member in good standing letter | |
First original |
$10 |
Additional originals |
$1 / letter |
| Mortgage amortization schedule | $5 |
| Notary service | $5 / document |
| Safe deposit box | $35 - $110 / year |
Platinum Checking members receive a 10% rebate on safe deposit boxes | |
Safe deposit box re-keying fee |
$50 |
Safe deposit box drilling fee |
$10 + third-party fees |
| Redemption of foreign currency | $10 + third-party fees. |
Minimum redemption amount: $50 U.S. dollars. | |
| Purchase of foreign currency | $10 + third-party fees |
| Special services provided by third-party vendors | Actual charge |
| Locator research fee | $25 |
| Levy / garnishment | $75 |
