Standard Checking |
Dividend rate / Annual percentage yield | None |
Dividends compounded / credited | None |
Dividend period | None |
Minimum opening deposit | None |
Minimum required balance | None |
Balance method | None |
Account limitations | See #6 below |
Student checking |
Dividend rate / Annual percentage yield | None |
Dividends compounded / credited | None |
Dividend period | None |
Minimum opening deposit | None |
Minimum required balance | None |
Balance method | None |
Account limitations | See #6 below |
Dividend Checking | under $5,000.01 | $5,000.01 to $10,000.00 | $10,000.01 to $25,000.00 | $25,000.01 and above |
Dividend rate / Annual percentage yield | 0.20% / 0.20% | 0.05% / 0.05% | 0.10% / 0.10% | 0.15% / 0.15% |
Dividends compounded / credited | Monthly / Monthly |
Dividend period | Monthly |
Minimum opening deposit | None |
Minimum required balance to earn stated APY | None | $5,000.01 | $10,000.01 | $25,000.01 |
Minimum average balance to avoid service fee | $2,500.00 |
Balance method | Daily balance |
Account limitations | See #6 below |
Relationship Rewards Checking | Not qualified | Level 1 | Level 2 |
Dividends compounded / credited | Monthly / Monthly | Monthly / Monthly | Monthly / Monthly |
Dividend period | Monthly | Monthly | Monthly |
Minimum opening deposit | None | None | None |
Minimum average balance to avoid service fee | None | None | None |
Balance method | Daily balance | Daily balance | Daily balance |
Account limitations | See #6 below | See #6 below | See #6 below |
Balance range | Dividend rate / Annual percentage yield | Dividend rate / Annual percentage yield | Dividend rate / Annual percentage yield |
Under $5,000.01 | 0.01% / 0.01% | 3.00% / 3.04% | 5.00% / 5.12% |
$5,000.01 to $10,000.00 | 0.10% / 0.10% | 0.40% / 0.40% | 5.00% / 5.12% |
$10,000.01 to $25,000.00 | 0.10% / 0.10% | 0.40% / 0.40% | 0.40% / 0.40% |
$25,000.01 to $50,000.00 | 0.50% / 0.50% | 0.75% / 0.75% | 0.75% / 0.75% |
$50,000.01 to $75,000.00 | 0.50% / 0.50% | 0.75% / 0.75% | 0.75% / 0.75% |
$75,000.01 to $100,000.00 | 0.50% / 0.50% | 0.75% / 0.75% | 0.75% / 0.75% |
$100,000.01 or more | 1.00% / 1.01% | 1.25% / 1.26% | 1.25% / 1.26% |
Fees applicable to all accounts |
Stop payment fee |
$25.00 per item |
Check printing charges |
Varies, depending on style |
Inactive account (for members 18 and over) |
$2.00 per account (monthly) |
Cashiers check for member (not using telephone banking or STCU's online banking) |
$3.00 per item |
Incorrect address fee |
$5.00 per month |
Garnishment processing fee |
$75.00 unless limited by state law |
Account research |
Research fees |
$25 per hour with $5 minimum |
Rush requests (next day, 10 items maximum) |
Research fee + an additional $25 |
Overdraft fees |
Transfer from other deposit account |
None |
Cash advance fee (transfer from credit card) |
Either $5.00 or 3% of each cash advance, whichever is greater |
NSF item paid fee (created by check, ACH, and debit card transactions) |
$29.00 per item |
NSF item returned fee |
$29.00 per presentment |
Overdraft fee (Privilege Pay) |
$29 ($174 daily limit for overdraft fees, in addition to NSF fees) |
Standard checking |
Monthly service charge |
None |
Student checking |
Monthly service charge |
None |
Dividend checking |
Monthly service charge |
$5.00 |
Relationship Rewards checking |
Monthly service charge - Not qualified |
$5.00 |
Monthly service charge - Level 1 rewards |
Waived |
Monthly service charge - Level 2 rewards |
Waived |
Product terms and disclosures |
View details |
Truth-in-Savings disclosures.
Except as specifically described, the following disclosures apply to all of the accounts named above.