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Fee Schedule


The following Schedule is an itemization of fees that may apply to your account. As you'll see in the schedule, credit union accounts and services are reasonably priced and applicable account fees are applied to members' accounts in instances where the service provided is an operating expense to the credit union. Because Strategic FCU is a not-for-profit cooperative, we are able to maintain reasonably priced accounts, while providing competitively higher rates on savings and lower rates on loans.

Rates are effective as of November 15, 2013


Share Savings Account
Excessive Withdrawal Fee $1.00 per withdrawal
in excess of five (5) per month
Holiday Club Account Withdrawal Fee $10.00 per request



Share Draft Checking Account
Overdraft Advance Fee $29.00 per courtesy payment
Non-Sufficient Funds Fee $29.00 per item
Stop Payment Fee $29.00 per request
Draft Copy Fee $3.50 per draft



Money Market Account
Money Market Withdrawal Fee $50.00 per withdrawal in excess of three (3) per month


Bill Payer
Bill Payment FREE
Non-Sufficient Funds $25.00 per item
Stop Payment $25.00 per item
Claims $25.00 per item



Other Service Fees
Account Research Fee $25.00 per hour
Returned Deposit Item or Loan Payment $29.00 per item
Items Sent for Collection Fee $29.00 per item
Notary Service Free
Notary Service for Non-Members (Cash only) $5.00
Skip-A-Pay (per loan; certain restrictions apply) $35.00
Statement Copy Fee $5.00 per statement
Wire Transfer (outgoing) Fee $15.00 per transfer
Wire Transfer (international) Fee $35.00 per transfer
Visa Gift Card Fee $3.00 per card purchased
Visa Reloadable Card Fee $3.00 per card purchased
Visa Reloadable Card - Reload Fee $3.00 per reload
Visa Travel Money Card Fee $3.00 per card purchased
Visa Travel Money Card - Reload Fee $3.00 per reload
Visa Payroll Card Fee $3.00 per card purchased
Inactive Account Fee $5.00 per month,
after 12 months - waived for members under 18 years old
Bad Address Fee $5.00 per month
Official Check Fee, Second Party $5.00 per check
Stop Payment on an Official Check Fee $29.00 per request
Nonproprietary ATM Withdrawal/Inquiries - after Six (6) ATM withdrawals per month $1.00 per request
Replacement Card (Visa Debit Card) $5.00 per card


NCUA


We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.