Personal account and service fees

Oregon State Credit Union Membership
Effective Date: Thursday, November 15th, 2018
Fee typeProduct fees
Age 0 to 12 No charge
TLT - age 13 to 18 $5.00
All others $10.00
Membership closure fee (if closed within 120 days) $10.00
Inactive membership fee $5.00/month

Savings account fees
Effective Date: Thursday, November 15th, 2018
Fee typeProduct fees
Basic Savings account
$250 minimum balance
No charge
Less than $250 minimum balance
$3.00 / calendar month
Scottie Savers Club - Age 0 to 12 No charge
TLT Savings account No charge
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 or TLT Accounts. The $3.00 service fee may be waived if you qualify for the Enhanced or Premier Member Merits categories. Lean more about our Member Merits program and how to qualify. Read the full Truth in Savings disclosure.

See savings disclosures, rates and fees

Checking account and ATM fees
Effective Date: Thursday, November 15th, 2018
Product typeEssentialEnhanced Premier
Free 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 / non-sufficient funds (NSF) $30.00 $30.00 $30.00
Overdraft protection transfer
From savings, per transfer
$4.00 $3.00 $0.00
From Visa® / PLOC, per transfer
$4.00 $3.00 $0.00
Plastic card replacement $5.00 $3.00 $0.00
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 priniting 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 $5.00 $5.00 $5.00
Mis-encoded checks, per item $5.00 $5.00 $5.00
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
$1.50 $0.00 $0.00
All other ATMs
$1.50 $1.50 $0.00

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. See the Member Merits reward program page for details.

See checking disclosures, rates and fees

Money Market monthly account fees
Effective Date: Thursday, November 15th, 2018
AccountEssentialEnhanced Premier
Money Market
Balances of $1,000 of more
$0.00 $0.00 $0.00
Balances of less than $1,000
$15.00 $10.00 $5.00
Investor's Money Market
Balances of $10,000 or more
$0.00 $0.00 $0.00
Balances less than $10,000
$20.00 $15.00 $5.00
Early closure fee (accounts held less than 90 days)
$55.00 $55.00 $55.00

See Money Market disclosures, rates and fees

Miscellaneous account and service fees
Effective Date: Thursday, November 15th, 2018
Fee typeProduct fees
Domestic wire transfers
Outgoing Western Union
$35.00 / $10,000 wire
Outgoing
Essential Member Merits
$30.00
Enhanced Member Merits
$20.00
Premier Member Merits
$5.00
International wire transfers
U.S. funds
$35.00 + third party fees
Foreign currency
$35.00 + third party fees
With third party fees included, total cost will range from $58 to $101
Incoming wire
Essential Member Merits
$15.00
Enhanced Member Merits
$10.00
Premier Member Merits
$0.00
Cashier's check
Cashier's check
$5 / check
Stop payment
$30
Pre-paid Visa® card
Reload
$3
Standard issue
$6.95
Personalized
$11.95
Plastic card replacement $5 / card
Pay by phone, fee per transaction 
Essential Member Merits
$15.00
Enhanced Member Merits
$10.00
Premier Member Merits
$5.00
Pay an Oregon State Credit Union loan from a checking account at another financial institution
IRA plan early closure fee (if closed within 180 days) $25.00
Statement copy $5 / statement
Interim statement copy $5 / copy
Account research $25 / hour
Returned item $10 / item
Returned item deposited through CU service center location $10 / item + correspondent fees
Check collections or exchange $10 + third party fees
Deposit bags Cost + $5
Member in good standing letter
First original
$10
Additional originals
$1 / letter
Mortgage amortization schedule $5
Notary service $5 / document
Electronic bill paying
Online account access
No charge
Online bill pay
No charge
Bill pay expedited payment $5
Bill pay expedited payment by check $20
Bill pay stop payment $25
Safe deposit boxes $35 - $110 / year
Platinum Checking members receive a 10% rebate on safe deposit boxes
Safe deposit box re-keying fee $10 + third-party fees
Redemption of foreign currency $10 + third-party fees
Purchase of foreign currency $10 + third-party fees
Special services provided by third-party vendors Actual charge
IRS incorrect SSN/TIN fee Actual charge
Bad address fee $5 / month
Locator research fee $25
Levy / garnishment $50
Endorsement stamps Cost + $2.00

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