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Account Types, Rates & Fees

Dividend Rates

January 1, 2020

Account Type



Share Savings
(A balance of $100 is required to receive the dividend)



Christmas Club



Vacation Club



Special Savings



IRA Shares (04)



6 Month Share Certificate or
6 Month IRA Share Certificate
(Minimum Initial Deposit of $500)
1.00% 1.00%
12 Month Share Certificate or
12 Month IRA Share Certificate
(Minimum Initial Deposit of $500)
1.25% 1.26%
24 Month Share Certificate or
24 Month IRA Share Certificate
(Minimum Initial Deposit of $500)
1.50% 1.51%

36 Month Share Certificate
(Minimum Initial Deposit of $500)

1.75% 1.77%
* 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 November 27, 2017

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)

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