Personal account and service fees

Oregon State Credit Union Membership
Effective Date: Monday, November 28th, 2022
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: Monday, November 28th, 2022
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
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 or TLT Accounts.
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 $3 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 or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

See savings disclosures, rates and fees

 

Checking account and ATM fees
Effective Date: Monday, November 28th, 2022
Product typeEssentialEnhanced 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. See the Member Merits reward program page for details.
Rewards Checking $7.00 $7.00 $7.00
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 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
$3.00 per presentment*** $3.00 per presentment*** $3.00 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 or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

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 $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

See checking disclosures, rates and fees

 

Money Market monthly account fees
Effective Date: Monday, November 28th, 2022
AccountEssentialEnhanced 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. See the Member Merits reward program page for details.
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
Overdraft Paid (Courtesy Payment)
$10.00 or less No fee No fee No fee
$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 $3.00 per presentment*** $3.00 per presentment*** $3.00 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 or resubmitted for payment. Therefore, you may be assessed more than one Returned Item fee as a result of a returned item or resubmission(s) of the returned item.

See Money Market disclosures, rates and fees

 

Miscellaneous account and service fees
Effective Date: Monday, November 28th, 2022
Fee typeProduct fees
Account research $25 / hour
Bad address fee $5 / month
Cash advance in-branch (non Oregon State CU credit or debit card) $15
Cashier's check
  • Cashier's check
$5 / check
  • Stop payment
$30
Endorsement stamps $25.00 per stamp
IRA plan (personal accounts only) if closed within 180 days $25.00
IRS incorrect SSN/TIN fee Actual charge
Levy / garnishment $75
Pay by phone, fee per transaction (pay an Oregon State Credit Union loan from a checking account at another financial institution) $15.00
Statement copy $5 / statement
Interim statement copy $5 / copy
Returned deposited item $10 / item
  • Returned item deposited through third-party ATM location
$10 / item + correspondent fees
Check collections or exchange $10 + third party fees
Electronic bill paying
Online account access
No charge
Online bill pay
No charge
Bill pay stop payment
$25
Deposit bag $7 per bag
Member in good standing letter
First original
$10
Additional originals
$1 / letter
Mortgage amortization schedule $5
Notary service $5 / document
Safe deposit box $35 - $110 / year
Platinum Checking members receive a 10% rebate on safe deposit boxes
Safe deposit box re-keying fee
$25 + third party fees
Safe deposit box drilling fee
$25 + third party fees
Redemption of foreign currency $10 + third-party fees.
  • Minimum redemption amount: $50 U.S. dollars. Third-party fees are determined by our vendor partners. The total fee (our fee plus third-party fees) will be disclosed at time of service.
Purchase of foreign currency $10 + third-party fees
Special services provided by third-party vendors Actual charge
Locator research fee $25
Wire transfers
  • Domestic outgoing
$30
  • International: U.S. and foreign funds
$35.00 + third party fees
  • Incoming wire
$15.00

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