Fees
Effective Date: 4/9/20241Monthly Maintenance Fees
Account maintenance fees are charged per statement period. Members can avoid this fee on some accounts if the required minimum balance is maintained as specified.Account Type
Fee Amount
Checking2
$
Zard® Checking
$
CashPoints® Global2,3
$
Share4
$
Zard Share4
$
FAT CAT® Share
$
Money Market Share5
$
Summer Cash
$
Holiday Cash Club
$
Salary Advance Cash
$
Health Savings Account (HSA)
$
Individual Retirement Account (IRA)4
$
Simplified Employee Pension (SEP) IRA4
$
Coverdell Education Savings Account (CESA)4
$
Other Account Fees (as applicable)
Checking accounts incur a per item fee for checks, teller cashed items and Another Chance items in excess of 50 per statement.Fee Type
Fee Amount
First 50 Items
$
After First 50 Items
$
Fee Type
Fee Amount
NSF Fee Free Days6
$
NSF Fee Free Days6 Exhausted
$
Fee Type
Fee Amount
Overdraft Transfer Service7
$
Card & ATM Fees
ATM Fees (For Using SECU-Issued Debit Cards)
Fee Type
Fee Amount
ATM Fee for Using CashPoints® ATM
$
ATM Fee for Using Visa®/PLUS® ATM8 (Completed Transaction)
$
ATM Fee for Using Visa/PLUS ATM9 (Attempted and Denied Transaction)
$
Debit Card Fees (Visa and CashPoints Debit Cards)
Fee Type
Fee Amount
Debit Card Replacement
$
International Transaction10
Debit Card Reissue
$
Debit Card Rush Delivery
$
Debit Card PIN Rush Delivery
$
Credit Card Fees11, 12
Fee Type
Fee Amount
Annual Fee
$
Balance Transfer
$
Cash Advance12
$
ATM Transaction13
$
International Transaction10
Late Payment
Card Replacement
$
Over Limit
$
Card Reissue
$
Rush Delivery of Card
$
Gift Card Fees
Fee Type
Fee Amount
Inactivity14
$
Loan Fees
First Mortgage
Fee Type
Fee Amount
Late Payment
Miscellaneous Service Fees
(Services Provided to Members Only)
Fee Type
Fee Amount
Safe Deposit Box - Annual Rent
Safe Deposit Box - Lost Key15
$
Safe Deposit Box - Box Drilling
$
Safe Deposit Box - Late Rental Payment16
$
Incoming Wire
$
Outgoing Domestic Wire
$
Outgoing International Wire
$
Cashier’s Check Purchase17
$
Copies of Items or Images18 (e.g., checks, statements, etc.)
Notary Service
$
Signature Guarantee Service
$
Coin Redemption
$
For additional information, review the Fees and Terms disclosure, which is accessible on our Account Disclosures & Brochures page.
1 Fees subject to change daily at the discretion of the Board of Directors.
2 See our Account Rules and Regulations for more information on monthly maintenance fees and contributions to the SECU Foundation in lieu of the fee on certain accounts.
3 Fee is charged if there is a balance in the account on the statement date.
4 Fee is charged if the account is below the minimum balance on the statement date.
5 Fee is charged if the account falls below the minimum balance at any time during the statement period.
6 NSF Fee Free Days are the first two days of a calendar year in which NSF Fees would otherwise be incurred.
7 See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
8 When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
9 When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a transaction.
10 Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for SECU Visa Debit, CashPoints, CashPoints Global, and HSA Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see the Credit Cardholder Agreement. Links to the Supplemental Terms and Conditions for SECU Visa Debit, CashPoints, CashPoints Global and HSA Cards and the Credit Cardholder Agreement can be found on our Account Disclosures & Brochures page.
11 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 9.50% based on your creditworthiness at account opening. The variable APR is subject to change with the U.S. Prime Rate as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
12 Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances. Interest begins to accrue on advanced amount immediately.
13 For each financial transaction at a CashPoints, Visa, or PLUS ATM.
14 Monthly fee charged after 12 months of inactivity. See the Gift Card Cardholder Agreement, a link to which can be found on our Account Disclosures & Brochures page, for more information.
15 Lessees receive two keys for each box. If both keys are lost, the box must be drilled and the drill fee is charged.
16 Fee charged if rent is not collected within 60 days of due date.
17 Fee waived for certain categories of members and for any check in the amount of $500 or more.
18 $0 for member-requested copies in connection with audits and court orders, $0 for other copy requests of 10 items or less, $1 per item for other copy requests after the first 10 items. Checks and statements can also be viewed and printed from Member Access for 24 months [checks] and 18 months [statements] at no charge.
2 See our Account Rules and Regulations for more information on monthly maintenance fees and contributions to the SECU Foundation in lieu of the fee on certain accounts.
3 Fee is charged if there is a balance in the account on the statement date.
4 Fee is charged if the account is below the minimum balance on the statement date.
5 Fee is charged if the account falls below the minimum balance at any time during the statement period.
6 NSF Fee Free Days are the first two days of a calendar year in which NSF Fees would otherwise be incurred.
7 See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
8 When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
9 When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a transaction.
10 Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for SECU Visa Debit, CashPoints, CashPoints Global, and HSA Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see the Credit Cardholder Agreement. Links to the Supplemental Terms and Conditions for SECU Visa Debit, CashPoints, CashPoints Global and HSA Cards and the Credit Cardholder Agreement can be found on our Account Disclosures & Brochures page.
11 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 9.50% based on your creditworthiness at account opening. The variable APR is subject to change with the U.S. Prime Rate as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
12 Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances. Interest begins to accrue on advanced amount immediately.
13 For each financial transaction at a CashPoints, Visa, or PLUS ATM.
14 Monthly fee charged after 12 months of inactivity. See the Gift Card Cardholder Agreement, a link to which can be found on our Account Disclosures & Brochures page, for more information.
15 Lessees receive two keys for each box. If both keys are lost, the box must be drilled and the drill fee is charged.
16 Fee charged if rent is not collected within 60 days of due date.
17 Fee waived for certain categories of members and for any check in the amount of $500 or more.
18 $0 for member-requested copies in connection with audits and court orders, $0 for other copy requests of 10 items or less, $1 per item for other copy requests after the first 10 items. Checks and statements can also be viewed and printed from Member Access for 24 months [checks] and 18 months [statements] at no charge.