Current Rates
Effective January 1, 2024
Shares
SHARE RATES: $1.00 AND UP 0.10% APR | 0.10% APY
CLUB 50 & GOLDEN INTEREST: $500.00 AND UP 0.02% APR | 0.02% APY
CHRISTMAS AND VACATION CLUB: $100 AND UP 0.10% APR | 0.10% APY
Certificates
6 MONTHS: ($500.00 MIN) 0.25% APR | 0.25% APY
12 MONTHS: ($500.00 MIN) 0.30% APR | 0.30% APY
24 MONTHS: ($1000.00 MIN) 0.55% APR | 0.55% APY
IRAs
TRADITIONAL IRA: 12 Months ($500.00 MIN) 0.30% APR | 0.30% APY
ROTH IRA: 12 Months ($500.00 MIN) 0.30% APR | 0.30% APY
Fee Schedule
Effective October 1, 2023. Fees are Subject to Change
The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.
Membership
| Service | Fees |
|---|---|
| Membership Fee (Opens Master Share Account and Non Refundable if closed within 6 months.) OFAC will be processed at time of account opening (Valid Picture ID & Social Security Card are required at the time of opening). | $25.00 |
Checking
| Service | Fees |
|---|---|
| Club 50 Checking (Free Check Orders & No Minimum Balance, Requires Credit Check) | $25.00 |
| Minor Checking (Age 13-17 Requires Guardian Member on Account) | $25.00 |
| No Check Checking (Debit Card Only, No Credit Check and No Checks Allowed) | $25.00 |
| Draft Checking (Checks Available for Fee and Credit Check is Required) | $25.00 |
Savings (Share Accounts)
Minimum Opening Deposit $25.00 (Fee Charged if closed within 6 months of opening account.)
| Service | Fees |
|---|---|
| Master Share Account (Excessive Charge per Transaction after 6 per quarter) | $5.00 |
| Extra Share Account (Excessive Charge per Transaction after 6 per quarter) | $5.00 |
| Christmas Club ( 1 free withdrawal/2nd withdrawal closes account with fee) | $5.00 |
| Vacation Account (1 free withdrawal/2nd withdrawal closes account) | $5.00 |
Certificate of Deposit / Individual Retirement Accounts
| Service | Fees |
|---|---|
| Minimum Opening Deposit $500.00 | Rates Vary on Maturity Date |
ATM / Debit Cards
| Service | Fees |
|---|---|
| Replacement Cards (Waived due to Fraud) | $15.00 (Expedited $45.00 fee) |
| Pin Number Resets | $5.00 |
Internet / Online Banking
| Service | Fees |
|---|---|
| Inquiries/Transfers/Bill Pay | Free |
Miscellaneous Fees
| Service | Fees |
|---|---|
| Account Research (Per Hour) | $10.00 |
| Cashier's Check | $5.00 |
| Copy of Check | $2.00 |
| Paper Statement | $3.00 |
| Inactive/Dormant Account Maintenance (Charge per Month after Inactivity of Accounts) | $5.00 |
| Legal Hold on Accounts (Ex. Federal Tax Levies, State Tax Levies, Etc.) | $20.00 |
| Non-Member Checking Fee | $5.00 |
| Overdraft/NSF (Insufficient Funds) Per Returned Items | $35.00 |
| Overdraft Transfer Fee from Other account | $3.00 |
| Overdraft Courtesy Payment | $35.00 |
| Returned Deposit Items | $35.00 |
| Returned Mail | $5.00 |
| Skip a Payment on Loans When Promoted | $20.00 |
| Stop Payments | $20.00 |
| Verification of Accounts | $10.00 |
| Wire Processing (Incoming/Outgoing) | $30.00 |
Routing Number: 253279361
Wiring Instructions for Incoming Wires:
VIZO ABA Number 253184317
To Account Number 253279361
Beneficiary Line is to include Members Name and Account number
Website for Internet Banking: www.selfmemorialfcu.net
Email: branch@smhfcu.com
Telephone Audio Number : (864) 330-1278
Office Telephone Number: (864) 227-4176
Fax Telephone Number: (864) 227-4147