Savings Rates
Account Types, Rates & Fees
| Dividend Rates April 1, 2024 |
||
|---|---|---|
| Account Type | Rate* | APY** |
| Share Savings (A balance of $100 is required to receive the dividend) |
0.25% | 0.25% |
| Christmas Club | 0.25% | 0.25% |
| Vacation Club | 0.25% | 0.25% |
| Special Savings | 0.25% | 0.25% |
| IRA Shares (04) | 0.25% | 0.25% |
| 6 Month Share Certificate or 6-Month IRA Share Certificate (Minimum Initial Deposit of $500) |
2.00% | 2.02% |
| 12-Month Share Certificate or 12-Month IRA Share Certificate (Minimum Initial Deposit of $500) |
2.50% | 2.53% | 9-Month Special Share Certificate Limited time Special rate (Minimum Initial Deposit of $10,000) |
4.89% | 5.00% |
| 24-Month Share Certificate or 24-Month IRA Share Certificate (Minimum Initial Deposit of $500) |
2.75% | 2.79% |
| 36-Month Share Certificate (Minimum Initial Deposit of $500) |
3.00% | 3.05% |
*Rate (Annual Percentage Rate)
**APY (Annual Percentage Yield)
All above-referenced accounts are variable in nature. The rates for these accounts will be adjusted at the discretion of the Board of Directors of the CS Credit Union. The Credit Union reserves the right to change these rates at any time.
Fee Schedule
| Fee Schedule Effective January 01, 2024 |
|
|---|---|
| Share (Savings) and General Account Fees | |
| Share Overdraft Transfer Fee | $5.00 |
| Returned Statement/Bad Address | $5.00 |
| Domestic Outgoing Wire Transfer | $15.00 |
| Escheat Account Fee | $30.00 |
| Account Reconciliation/Research | $15.00 per hour |
| Account Garnishment/Tax Levy | $30.00 |
| Express Mail/Overnight Delivery | $30.00 or Actual>$30.00 |
| Share Draft (Checking) Account Fees | |
| Secure Checking Monthly Service Fee | $4.95 |
| Returned Unpaid Item (NSF) | $20.00 |
| Paid Item (Courtesy Pay) | $20.00 |
| Stop Payment | $20.00 |
| Check Cashing Fee (Non-Member) | $5.00 |
| Debit Card Replacement Fee (Excludes Damaged, Expiring, Compromised Cards) |
$5.00 |
| Expedited Card Replacement Fee (1 free each year) | $50.00 |