San Juan Mountains Credit Union • 1102 South Cascade Montrose, Co 81401 •

RATES

Loan Rates       Savings Rates       Certificate Rates       Fee Schedule      

Effective as of: Jan, 1 2014
Share Draft Fees:
Transfer Fee$2.00
NSF Fee$30.00
Courtesy Pay Fee$30.00
Stop payment Fee$30.00
Share Draft Print FeeVaries
Business Share Draft FeeVaries
 
Other Service Fees:
Account Reconciliation Fee$25.00 per hour
Account Research Fee$25.00 per hour
Deposit Item Return Fee$15.00
Original Check Copy Fee$2.00
Wire Transfer Fee$20.00
Garnishment Fee$50.00
NSF ACH Fee$30.00
ACH Stop Payment Fee$30.00
Application Fee$25.00
Additional Monthly Statement Fee$3.00
Counter Check Fee$0.25
Dormant Account Monthly Fee$25.00
Credit Union Check Fee$1.00
Credit Union Check Copy Fee$3.00
Debit Card Pin Reorder Fee$5.00
Debit Card Replacment Fee$10.00
ATM Usage Fee (3 Free Per Month)$1.00
Debit Card Close and Reorder$25.00
Reopen Closed Account Fee$25.00
Visa Late Fee/ Over Limit$39.00
Visa Gift Cards$5.00
Returned Mail Fee$5.00 per item
Travel Card$5.00
IRA Account Annual Maintance$50.00
Debit card Annual fee$10.00/Indv.$15.00/Joint
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Dividends are compounded monthly and are paid monthly. Dividend rates are fixed for the term of the account. Dividends period begin the first calendar date of the quarter and ends on the last calendar date of the quarter. Annual Percentage Yield assumes dividends will remain on deposit until maturity. There is a substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit. The annual percentage yield is a percentage rate that reflects the total amount of the dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding on an annual period. San Juan Mountains Credit Union may offer other rates for these accounts from time to time.

Mission Statement:

"TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF  "PEOPLE HELPING PEOPLE".