Rates

APY = Annual Percentage Yield. Rates effective as of 11/1/2017. Fees may reduce earnings.

Savings

Savings AccountsBalanceAPY
Basic Savings0.10%
Holiday Club0.25%
Vacation Club0.10%
Health Savings$0 - $2,499.990.10%
$2,500.00 - 9,999.990.10%
$10,000 +0.20%

   
AccountBalanceRateAPY
IRA Savings$1 - $2,499.990.10%0.10%
Roth IRA Savings$2,500.00 - 9,999.990.10%

0.10%
$10,000.00 - 19,999.990.15%0.15%
$20,000.00 - 49,999.990.20%0.20%
$50,000.00 +0.30%0.30%

These rates are current as of 11/1/2017. APY=Annual Percentage Yield. The minimum balance for the basic and youth account is $100 to avoid service fees. There is a $5.00 minimum opening balance required for basic and youth savings accounts. There is no minimum balance for secondary savings accounts, holiday club or vacation club.

Checking

Sooper Cash*

BalanceRateAPY
Balances up to $14,999.99 2.23%2.25%
Balances $15,000+0.50%0.50%
All balances if qualifications not met0.05%0.05%

To earn rewards, each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Deposit at least $500 via direct deposit/ACH transactions into your account during the qualification cycle**

*APY=Annual Percentage Yield. APYs accurate as of 11/1/2017. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $14,999.99 receive APY of 2.25%; and (3) balances $15,000 and more earn 0.50% interest rate on portion of balance over $15,000, resulting in 2.25% - 0.73% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. **$500 minimum can be met with one or multiple transactions.

Sooper Cash Back*


   
AccountCash Back
Sooper Cash Back Get 3% cash back on debit card purchases (up to $9 monthly)*

To earn rewards, each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Deposit at least $500 via direct deposit/ACH transactions into your account during the qualification cycle**

*Accurate as of 11/1/2017. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back amount of $9 per monthly qualification cycle. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) if qualifications are met within monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. **$500 minimum can be met with one or multiple transactions.

Interest Checking

AccountAPY
Interest Checking0.25%

These rates are current as of 11/1/2017. The minimum balance to earn the APY on Interest Checking is $500. Fees could reduce earnings. The credit union may offer other rates in the future.


Share Certificates

TermAPY

Balance: $500

APY

Balance: $5,000

APY

Balance: $20,000

APY

Balance: $50,000

6 - 11 months0.05%0.15%0.25%0.35%
12 - 17 months0.15%0.25%0.35%0.45%
18 - 23 months0.20%0.30%0.40%0.50%
24 - 35 months0.35%0.45%0.55%0.65%
36 - 47 months0.65%0.75%0.85%0.95%
48 - 59 months0.90%1.00%1.10%1.20%
60 - 72 months1.15%1.25%1.35%1.45%

These rates are current as of 11/1/2017. APY=Annual Percentage Yield. The minimum balances to open the account and obtain the APY are $500, $5,000, $20,000, and $50,000. Early withdrawal penalties may apply. The credit union may offer other rates in the future. If a share certificate product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest. Fees could reduce earnings.

IRA Share Certificate Rates

TermAPY

Balance: $500

APY

Balance: $5,000

APY

Balance: $20,000

APY

Balance: $50,000

6 - 11 months0.05%0.15%0.25%0.35%
12 - 17 months0.15%0.25%0.35%0.45%
18 - 23 months0.20%0.30%0.40%0.50%
24 - 35 months0.35%0.45%0.55%0.65%
36 - 47 months0.65%0.75%0.85%0.95%
48 - 59 months0.90%1.00%1.10%1.20%
60 - 72 months1.15%1.25%1.35%1.45%

These rates are current as of 11/1/2017. APY=Annual Percentage Yield. The minimum balances to open the account and obtain the APY are $500, $5,000, $20,000, and $50,000. Early withdrawal penalties may apply. The credit union may offer other rates in the future. If a share certificate product is redeemed prior to the date of maturity, the penalty assessed is 90 days of interest. Fees could reduce earnings.

Money Market Accounts

BalanceAPY
$2,5000.10%
$10,0000.15%
$20,0000.20%
$50,0000.30%
$90,0000.40%

These rates are current as of 11/1/2017. APY=Annual Percentage Yield. The balances set forth above are the minimum opening balances required to earn the APY. Once a balance tier has been met, the APY for that tier will apply to the entire account balance. Fees could reduce earnings. The credit union may offer other rates in the future.

Loans

SAVINGS ACCOUNT FEES
Holiday Club Account

Early Withdrawal/Closure Fee

$15.00each (prior to maturity)
Holiday Club Account

Re-Opening Fee

$15.00each time account is closed and re-opened
Vacation Club Account$15.00penalty each withdrawal (after 4 per year)
Money Market Account

Excessive Withdrawal Fee

$10.00per withdrawal if more than three withdrawals per month
Share/Savings Re-Opening Fee$10.00each time
Share/Savings Excessive WithdrawalFee$ 1.00per withdrawal if more than four withdrawals per month
Share Low Balance$ 5.00per month if minimum average monthly balance of $100.00 not maintained. (Waived if under age 18 or over age 55. New members have 90 days to bring the balance up to $100)
Third Party Check Pay$ 2.00each check
NSF Transfer From Savings Fee$ 5.00each time
CHECKING ACCOUNT FEES
Check Printing Fee (Harland Clarke)Fee varies depending on style (S.M.A.R.T.Club checks free - 1 box semi-annually)
Copy of Check Fee$ 2.00each time
Deposited Item Return Fee$10.00per item
Interest Checking Service Fee$ 7.00per month if $500 minimum checking balance is not maintained
Non-Sufficient Funds (NSF) Fee$30.00per returned item
NSF Paid Item Fee$30.00per paid item
Courtesy Pay Fee$30.00per item
Stop Payment Fee ACH/Checking/Bill Pay$30.00per request
ACH NSF$30.00per item
Account Re-Open$10.00each time
ATM Card Fee$10.00each year
Temporary Checks Fee$ .20each (Waived for new accounts & S.M.A.R.T. Club)
BUSINESS ACCOUNT FEES
Business Savings

Share Minimum Balance Fee

$5.00per month if minimum daily balance of $100 is not maintained (new members have 90 days to bring the balance up to $100)

Money Market Excessive Withdrawal Fee

$10.00per withdrawal if more than 3 withdrawals per month
Business Checking

Checking Minimum Balance Fee

$7.50per month if balance falls below $1,000.00 (new members have 90 days to bring the balance up to $1,000.00)

Interest Checking Minimum Balance Fee

$15.00per month if balance falls below $15,000.00 (new members have 90 days to bring the balance up to $15,000.00)

Business Interest Checking per item processing fee

$.30per item after 500 items per month
MASTERCARD CREDIT CARD FEES
Late Charge Fee (past 10 days)$25.00
NSF Fee for Credit Card Payment$25.00
Foreign Transaction1.10% of each foreign currency transaction in U.S. dollars
0.90% of each U.S. dollar transaction that occurs in a foreign country
OTHER SERVICE FEES (for all other accounts)
Account Reconciliation Fee$30.00per hour
Account Research Fee$30.00per hour
Cashiers Check Fee$5.00per check (waived for S.M.A.R.T. Club)
Check Cashing (non-member - on us) Fee$ 5.00per check
Deposited Item Return Fee$10.00per item
Dormant Account Fee$ 5.00per quarter after 2 years
Fax Service, Personal (long distance) Fee$ 2.00per page (waived for S.M.A.R.T. Club)
Items Sent for Collection Fee$10.00per item
Legal Process Fee$50.00each time
Photocopy of CU-Issued Check Fee$ 2.00each
Returned Mail Fee$ 5.00each time
Signature Guarantee Fee$15.00each
Statement Copy (additional) Fee$ 5.00per copy
Shared Branching Fee$ 1.00per transaction after 6
Plastic Card Replacement Fee$20.00each time
PIN Replacement Fee$ 5.00each time
Wire Transfer (international) Fee$40.00per transfer
Wire Transfer (outgoing) Fee$20.00per transfer
NSF Fee$30.00per item
ELECTRONIC FUNDS TRANSFER FEES
Microfilm Development of VISA Sales Draft Fee$ 2.00each
Nonproprietary ATM Withdrawal/Transfer Fee$ 1.00each after six ATM withdrawals in a month at no charge
Rush Order on Plastic Card Fee$25.00per order
Rush Order on PIN Number Fee$25.00per order
NSF Fee$30.00per item
ATM Deposit Correction Fee$ 2.00per item
ATM/Service Center Returned Item$ 6.00per item
ATM Empty Envelope Deposit Fee$30.00each
SAFE DEPOSIT BOX RENTAL FEES (Grand Junction Branch Only)
3” x 5”$29.00annually
3” x 10”$49.00annually
5” x 10”$49.00annually
10x10$99.00annually
Change of Lock/Keys$10.00per time
Drilling of Box FeePaid directly to drilling service
Late Fee$20.0030 days past due
LOAN PRODUCT FEES
Late Payment Fee$10 - $25.00A late fee may be assessed at 10 days+ past due. Late charges range depending on loan product.
Loan Re-Application Fee$15.00(expires after 3 months)
Subordination Fee$150.00per request
CREDIT UNION MEMBERSHIP - NO FEE!
*Fees effective as of 11/1/2017. Subject to change at any time. S.M.A.R.T. Club is the special program for members at 55+ who keep at least $2,000 in loan or deposit account balances.

These rates are current as of 11/1/2017. APR=Annual Percentage Rate. Sooper Credit Union uses credit based pricing. The rate you pay depends upon your credit history. All applications subject to credit qualification. *During the life of the loan, the maximum APR could be 18%. The estimated aggregate of credit union and third party fees is $587 to $1,600. Interest may be tax deductible. Consult your tax advisor. ** The rate is a variable rate (prime + 4%). The credit union may offer other rates in the future. Auto Loans: For example, on a new car loan for $10,000 at 5% APR for 60 months, you would make 60 payments of $188.68. Licensed Recreational Vehicles: For example, on a new licensed recreational vehicle loan for $15,000 at 12% APR for 48 months, you would make 48 payments of $394.84. Non-Licensed Recreational Vehicles: For example, on a new non-licensed recreational vehicle loan for $8,000 at 15% APR for 36 months, you make 36 payments of $277.18.