Personal Account and Service Fees
| Fee type | Product Fees |
|---|---|
| Age 0 to 12 | No charge |
| TLT — age 13 to 18 | $0.00 |
| All others | $0.00 |
| Inactive membership fee | $5.00/month |
Oregon State Credit Union (OSCU) Membership
Age 0 to 12
TLT — age 13 to 18
All others
Inactive membership fee
| Fee type | Product fees |
|---|---|
| Basic Savings account fees | |
| $250 minimum balance | No charge |
| Less than $250 minimum balance | $3.00 / calendar month |
| Other savings account fees | |
| Scottie Savers Club – Age 0 to 12 | No charge |
| Teen Savings account | No charge |
| High Yield Savings Account | No charge |
Following a 3-month grace period, Basic Savings must maintain a minimum daily balance of more than $250 or, if less than $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. The $3.00 fee is not applicable to Scottie Savers, TLT, or High Yield Savings accounts. The $3.00 service fee may be waived if you qualify for the Enhanced or Premier Member Merits categories. | |
| Overdraft Paid (Courtesy Payment) | |
| $10.00 or less | No fee |
| $10.01 or greater | $10 per presentment** |
| Returned Item fee (non-sufficient funds) | |
| $10.00 or less | No fee |
| $10.01 or greater | $10 per presentment*** |
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. | |
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |
Savings account fees
Basic Savings account fees
$250 minimum balance
Less than $250 minimum balance
Other savings account fees
Scottie Savers Club – Age 0 to 12
Teen Savings account
High Yield Savings Account
Following a 3-month grace period, Basic Savings must maintain a minimum daily balance of more than $250 or, if less than $250, have one other account type to avoid a $3 service fee per calendar month. If you have multiple Basic Savings Accounts, each account may receive a separate fee based on each individual balance. The $3.00 fee is not applicable to Scottie Savers, TLT, or High Yield Savings accounts. The $3.00 service fee may be waived if you qualify for the Enhanced or Premier Member Merits categories.
Overdraft Paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
| Product type | Essential | Enhanced | Premier |
|---|---|---|---|
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees. | |||
| Rewards Checking | $7.00* | $7.00* | $7.00* |
| Value Checking | $0.00* | $0.00* | $0.00* |
| TLT Teen Checking | 0.00 | 0.00 | 0.00 |
| Platinum Checking | 0.00 | 0.00 | 0.00 |
| Overdraft paid (Courtesy Payment) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
| Returned Item fee (non-sufficient funds) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10.00 per presentment** | $10.00 per presentment** | $10.00 per presentment** |
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month ** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |||
| Overdraft protection transfer | |||
| From savings, per transfer | No fee | No fee | No fee |
| From Visa® / PLOC, per transfer | No fee | No fee | No fee |
| Plastic card replacement | 6.00 | 6.00 | 6.00 |
| Stop payment | 25.00 | 20.00 | 10.00 |
| Check copy | 5.00 | 3.00 | 1.00 |
| Personal checks | |||
| Temporary check, per page | 2.00 | 1.00 | 0.00 |
| Check printing fee depends on the style and quantity ordered | |||
| Online account access and bill pay | 0.00 | 0.00 | 0.00 |
| Non-MICR encoded checks, per item | 0.00 | 0.00 | 0.00 |
| Mis-encoded checks, per item | 0.00 | 0.00 | 0.00 |
| Dishonored non-credit union checks written by member, per check | 30.00 | 30.00 | 30.00 |
| ATM transaction fees | |||
| Oregon State Credit Union-owned | 0.00 | 0.00 | 0.00 |
| CO-OP® network ATM transactions per month | |||
| Up to six | 0.00 | 0.00 | 0.00 |
| Seven or more | 0.00 | 0.00 | 0.00 |
| All other ATMs | 1.50 | 1.50 | 0.00 |
Checking account and ATM fees
Premier, Enhanced and Essential are categories of the Member Merits program, a program that rewards members based on the member’s relationship with the credit union. Enhanced and Premier Member Merits categories enjoy reduced rates on consumer loans, increased rates on certificate account types and a reduction in account fees.
Rewards Checking
Value Checking
TLT Teen Checking
Platinum Checking
Overdraft paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
* If not enrolled in eStatements, a $3 monthly fee will be applied to Value and Rewards checking accounts. This fee is waived each month if checking account is enrolled in eStatements at least one day before the last calendar day of the month
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.
Overdraft protection transfer
From savings, per transfer
From Visa® / PLOC, per transfer
Plastic card replacement
Stop payment
Check copy
Personal checks
Temporary check, per page
Check printing fee depends on the style and quantity ordered
Online account access and bill pay
Non-MICR encoded checks, per item
Mis-encoded checks, per item
Dishonored non-credit union checks written by member, per check
ATM transaction fees
Oregon State Credit Union-owned
CO-OP® network ATM transactions per month
Up to six
Seven or more
All other ATMs
| Account | Essential | Enhanced | Premier |
|---|---|---|---|
| Money Market | |||
| Balances of $1,000 of more | 0.00 | 0.00 | 0.00 |
| Balances of less than $1,000 | 0.00 | 0.00 | 0.00 |
| Investor's Money Market | |||
| Balances of $10,000 or more | 0.00 | 0.00 | 0.00 |
| Balances less than $10,000 | 0.00 | 0.00 | 0.00 |
| Early closure fee (accounts held less than 90 days) | 0.00 | 0.00 | 0.00 |
| Overdraft Paid (Courtesy Payment) | |||
| $10.00 or less | $10 per presentment** | $10 per presentment** | $10 per presentment** |
| $10.01 or greater | $10 per presentment** | $10 per presentment** | $10 per presentment** |
| Returned Item fee (non-sufficient funds) | |||
| $10.00 or less | No fee | No fee | No fee |
| $10.01 or greater | $10 per presentment** | $10 per presentment** | $10 per presentment** |
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account. ***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment. | |||
Money Market monthly account fees
Money Market
Balances of $1,000 of more
Balances of less than $1,000
Investor's Money Market
Balances of $10,000 or more
Balances less than $10,000
Early closure fee (accounts held less than 90 days)
Overdraft Paid (Courtesy Payment)
$10.00 or less
$10.01 or greater
Returned Item fee (non-sufficient funds)
$10.00 or less
$10.01 or greater
** Overdraft Paid fees are limited to a daily maximum of 5 overdraft fees per day per account.
***Returned Item fees are limited to one per day per account. We may charge a fee each time an item is submitted for payment.