Emerald Credit Association FCU

Where your future begins....

 
   

Rates and Fee Schedule


The rates appearing below are accurate as of the last dividend declaration date, or as of the date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (864)223-9135.

Share Account Type
Share Savings
IRA
Vacation Club
Christmas Club
Checking
 Dividend Rate
.75%
2.98%
.25%
.25%
.25%
 Annual Percentage Yield ('APY')
.75%
3.00%
.25%
.25%
.25%
 Dividends Compounded
Quarterly
Quarterly
Quarterly
Quarterly
Monthly
 Dividends Credited
Quarterly
Quarterly
Quarterly
Quarterly
Monthly
 Dividend Period
Quarterly
Quarterly
Quarterly
Quarterly
Monthly
 Minimum Opening Deposit
$25.00
N/A
N/A
N/A
N/A
 Minimum Balance to Avoid
 Service Charge and to earn APY  set forth in this Schedule
$100.00 to
earn APY
$100.00 to
earn APY
$100.00 to
earn APY
$100.00 to
earn APY
See Checking Brochure

The Par Value of a Membership Share is $25.00

Time and IRA Certificate Accounts
Certificate &
IRA Certificate
Preferred Certificate &
Prestige IRA Certificate
 Minimum Opening Deposit
$500.00
$500.00
 Dividends Compounded
Quarterly
Quarterly
 Dividends Credited
Quarterly
Quarterly
 Dividend Period
Quarterly
Quarterly
 Dividend Rate/Dividend Annual
 Percentage Yield ('APY')
Rate/APY
Rate/APY
 Six Months (pays semi-annually)
3.00% / 3.00%
Follow Same
 One Year
3.62% / 3.67%
Rate As
 Eighteen Months
3.80% / 3.85%
Regular CD
 Two Years
3.90% / 3.96%
Rate
 


Credit To Accounts For Member Deposits and Business Day Disclosure

The Credit Union's 'daily cut-off time' All deposits or transactions received after the time we close for business on a day we are open or received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open. Our business hours are listed below.
The Credit Union's 'daily cut-off time' for Uniform Commercial
Code Funds Transfers
Any dollar amount may be transferred until 1:00 p.m., on a business day. Any request for a transfer after 1:00 p.m., will be sent on the next business day we are open.
The Credit Union's business day disclosure Our business days are Monday through Wednesday 8:30 a.m. to 5:00 p.m., and 8:30 a.m. to 5:15 p.m. on Thursday and Friday, excluding holidays. Our Night Depository is opened at 8:30 a.m. daily. (Deposits made after 9:00 a.m. or on a day we are not open will be processed on the next business day we are open).
Stop Payment Orders The Credit Union will not be obligated to take any action on a valid and appropriate Stop Payment Order received by us after 1:00 PM on a business day until after we open for business on the following business day.


Fees and Service Charges For All Accounts and Services

 Returned item fee (per item)
$2.50
 Insufficient funds draft fee (per item)
$25.00
 Research on account (per hour)
$15.00
 Closing Share account within 6 mo of
 joining
$10.00
 Check copy fee (per item)
$3.00
 Returned statements due to incorrect
 address
$2.00
 Check cashing fee = non checking account
$3.00
 To open a share account
$25.00
 Statement copy fee
 (per statement/printout)
$3.00
 Deposit items in excess of 10 (per item)
$.35
 Check request or Certified check fee
 (per draft)
$3.00
 Check printing fee (per 150 drafts and
 deposit)
Varies
 Wire transfer fee (per transfer) – incoming
$10.00
 Checking account fee
 No check checking
 Emerald Jewel
$5.00
 Wire transfer (USA) fee (per transfer) –
 outgoing
$10.00
 Legal process tax levies, garnishments,
 etc. (per occurrence)
$10.00
 Wire transfer (international) fee
 (per transfer)
Actual Cost
 Christmas Club withdrawl fee
 (per withdrawl)
$10.00
 Photo Copy (over 2 per month per item)
$3.00
 Member fax per page
$1.00
 Excessive share savings transaction fee
 (over 2 withdrawls per month)
$7.50
 Traveler's check for single signature
 (per $100)
$1.00
 Money order fee (per money order)
$.75
 Traveler's check for single signature
 (per $100)
$1.75
 Stop payment request fee (per request)
$15.00
 Traveler's checks per $100 single
 w/checking
Free
 Inactivity/Dormancy fee (per month
 after 12 months without activity
$5.00
 Membership fee (one time upon
 application/non-refundable)
$2.00
 Third party check cashing fee:
 The Credit Union may charge a third 
  party
 a fee for any inquiry or cashing a check
 drawn by our Member on us.
$10.00
 Member Copier Charge
$.10
 

 Notary Service
Free
 ATM transaction fee
 (per transaction over two per month
$25.00
 Direct Deposit
Free
 ATM password / PIN reissue
$5.00
 ATM card replacement
$7.50
 ATM point of sale
Free
 Fee for a check to be mailed
$1.00
 Closing a Club account within 90 days of
 opening
$15.00

 Internet banking fee with checking  account
Free
 Bill payment (per month)
$5.00
 Internet banking with just savings
 (per month)
$3.00
 Internet banking password reset
$5.00