Emerald Credit Association FCU

Where your future begins....

 
   

Rates and Fee Schedule - May 1, 2016


The rates appearing below are accurate as of the last dividend declaration date, or as of the date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (864)223-9135.

 Share Account
Share Savings Account
Money Management Account
Checking
IRA
Christmas / Vacation Club Savings
Non-Dividend Account
 Dividend Rate
.10%
N/A
.05
Contact Office
.10%
0.00
 Annual Percentage Yield ('APY')
0.00
 Dividends Compounded
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
 Dividends Credited
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
 Dividend Period
Monthly
Monthly
Monthly
Monthly
Monthly
Monthly
 Minimum Opening Deposit
$25.00
N/A
$25.00
N/A
N/A
N/A
 Minimum Balance to Avoid
 Service Charge and to earn APY  set forth in this Schedule
$100.00 to
earn APY
$2,000 to earn APY and avoid service charges
N/A
N/A
N/A
N/A
 Bonus for Opening, Renewing,  Maintaining or Increasing Balance  in an Account
N/A
N/A
N/A
N/A
N/A
N/A
 Amount or type of bonus
N/A
N/A
N/A
N/A
N/A
N/A
 When the bonus will be provided
N/A
N/A
N/A
N/A
N/A
N/A
 Minimum balance to obtain the  bonus
N/A
N/A
N/A
N/A
N/A
N/A
 Minimum time you must maintain  minimum balance to obtain bonus
N/A
N/A
N/A
N/A
N/A
N/A

The Par Value of a Membership Share is $25.00

 Club Accounts: Account Requirements:
Distribution Methods:
 Christmas Club  Plan period 11/01 thru 10/31 Each Year  Deposits Allowed.
 Early withdrawal from account is $10.00 per  withdrawal.
Deposit to Primary Share Acct.
 Vacation Club Plan Period 5/1 to 4/30 Deposit to Primary Share Acct.
 Term Share Certificate and Money Management IRA Certificate Accounts
Fixed Rate Share Certificate Account
Variable Rate IRA Certificate Account
Fixed Rate IRA Certificate Account
 Minimum Opening Deposit
 Minimum Balance to Earn APY
$500.00
N/A
$500.00
 Dividends Compounded
Quarterly
N/A
Quarterly
 Dividends Credited
Quarterly
N/A
Quarterly
 Dividend Period
Quarterly
N/A
Quarterly
 TERM
Dividend Rate
APY
Dividend Rate
APY
Dividend Rate
APY
 6 Month
Contact Office
 12 Month
 18 Month
 24 Month
 


Credit To Accounts For Member Deposits and Business Day Disclosure

The Credit Union's 'daily cut-off time': All deposits or transactions received after the time we close for business on a day we are open or received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open. Our business hours are listed below.
The Credit Union's 'daily cut-off time' for Uniform Commercial
Code Funds Transfers:
Any dollar amount may be transferred until 5:00 p.m., on a business day. Any request for a transfer after 5:00 p.m., will be sent on the next business day we are open.
The Credit Union's business day disclosure: Our business days are Monday through Wednesday 8:30 a.m. to 5:00 p.m., and 8:30 a.m. to 5:15 p.m. on Thursday and Friday, excluding holidays. Our Night Depository is opened at 8:30 a.m. daily. (Deposits made after 8:30 a.m. or on a day we are not open will be processed on the next business day we are open).
Stop Payment Orders: The Credit Union will not be obligated to take any action on a valid and appropriate Stop Payment Order received by us after 3:00 PM on a business day until after we open for business on the following business day.
Approved Check Printer(s) / Vendor(s): Harland Company, Inc.

Electronic Funds Transfer Services: Limitations, Fees, and other Important Information

Daily ATM Limits ($/#): Varies per member approved requests.
Daily POS Limits ($/#): Varies per member approved requests.
Daily Check Card Limits ($/#): Varies per member approved requests.
On-Line Transaction Processing: Generally it will take 2–5 days to process a transaction

Fees applicable to Electronic Banking Transactions

Transactions including inquiries using the CIRRUS, or HONOR Networks:
(3 free per month thereafter, each transaction)
(Transaction) $2.00
(Inquiry) $2.00
Replacement ATM card fee (per occurrence): First: $7.50
Second: $10.00
Pin Replacement: $5.00


Fees and Service Charges For All Accounts and Services: May 1, 2016

 Returned item fee (per item)
$30.00
 Insufficient funds draft fee (per item)
$30.00
 Research on account (per hour)
$30.00
 Closing Share account within 6 mo of
 joining
$20.00
 Check copy fee (per item)
$3.00
 Returned Mail due to incorrect
 address
$5.00
 Check cashing fee = non checking account
$3.00
 To open a share account
$25.00
 Statement copy fee
 (per statement/printout)
$3.00
 Deposit items in excess of 20 (per item)
$.35
 Check request or Certified check fee
 (per draft)
$3.00
 Check printing fee (per 150 drafts and
 deposit)
Price varies depending on style
 Wire transfer fee (per transfer) incoming
$20.00
 Checking account fee
 No check checking
 Emerald Jewel
$5.00
 Wire transfer (USA) fee (per transfer)
 outgoing
$20.00
 Legal process tax levies, garnishments,
 etc. (per occurrence)
$25.00
 Wire transfer (international) fee
 (per transfer)
$40.00
 Christmas Club withdrawal fee
 (per withdrawal)
$10.00
 Photo Copy (per item)
$3.00
 Member fax per page
$1.00
 Excessive share savings transaction fee
 (over 2 withdrawals per month) and (over 6 transfer thru internet teller or audio response)
$7.50
 VISA GIFT CARDS
$3.00
 Money order fee (per money order)
$1.50
 VISA GIFT CARDS-RELOADABLE
$5.00
 Stop payment request fee (per request)
$25.00
 Member Copier per page    $.25
 Inactivity/Dormancy fee (per month
 after 12 months without activity
$10.00
 Checking overdraft transfer fee from other  acct to clear checking items
 (after 2 per month)
  $1.00
 Third party check cashing fee:
 The Credit Union may charge a third party a fee for any inquiry or cashing a check drawn by our Member on us.
$20.00
 Reopening account within 6 months
$20.00
 Notary Service
Free
 ATM transaction fee
 (per transaction over three per month)
$2.00
 Direct Deposit
Free
 ATM password / PIN reissue
$5.00
 ATM card replacement
$7.50
(1st card)
$10.00 (After 1st)
 ATM point of sale
Free
 Fee for a check to be mailed
$1.00
 Closing a Club account within 90 days of
 opening
$20.00
 Inactivity Fee
$10.00
 Debit Card Capture
$25.00
 Loan and Account Verification
$20.00
 Under Minimum Balance in share account  per month
$2.00
 Internet banking with checking account
FREE
 Late Fee for loan after 10 days
$25.00
 Ach Manual posted item
$5.00
 Internet banking password reset
$5.00


 
   

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government,
National Credit Union Administration (NCUA), a U.S. Government Agency.