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Savings
Services
| Share
Account |
The primary share account, our basic savings and membership account, earns higher dividends than similar passbook accounts offered by other financial institutions. Dividends are earned from the day of deposit to the day of withdrawal and are compounded quarterly. A minimum required balance is $50.00
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| IRA
Certificates |
For a one year, fixed term investment, invest in a Traditional or Roth IRA Certificate Account with a minimum deposit of $100.00. Dividends are compounded quarterly. There are no initiation, maintenance or closing
fees associated with our IRA Certificate Accounts.
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Loan
Services
| Personal
Loans |
Our personal loan program will allow you to borrow up to $15,000. Rates are competitive, with terms up to 60 months. |
| VISA |
Your credit union VISA card is offered at a competitive rate, no annual fee, 25-day grace period on purchases and no cash advance fee. Lines of credit are offered up to $15,000. Share secured VISA now available. |
| Vehicle
Loans |
We have been the traditional source of funding for members who buy new and used cars, trucks, vans, and recreational vehicles. Low rates (one low rate for new & used vehicles), terms up to 84 months, never a prepayment penalty or
application fee, pre-approved loans, GAP insurance, mechanical breakdown insurance and payroll deduction make your Credit Union the best place for a vehicle loan.
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| Auto/Equity
Loan |
Turn a traditional auto loan into our special Auto/Equity loan. The interest may be tax deductible (see your tax advisor for specific details). No fees. |
| Home
Equity Loan |
Utilize the equity in your home with our second deed of trust Line of Credit fixed rate and term loan or our equity line of credit featuring a variable
rate and open end borrowing. As usual, no points or prepayment penalties.
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| Share
Secured Loans |
Using your shares as collateral, you can borrow at low interest rates with terms up to 60 months.
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| Pre-Approved
Loans |
Arrange your financing at your Credit Union before you shop for cars or other major purchases. Knowing the amount, interest rate, payment and term will allow you to shop as a cash buyer when and where you like. |
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Convenience
Services
| Checking
Accounts |
We offer LOW or NO FEE checking accounts to qualified members only. Contact us for complete details on how you could qualify for a NO FEE checking account. |
| Home B@nking/ Audio |
You can now access your accounts from anywhere, anytime via the Internet. View balances, transfer funds, view and print copies of cleared checks, request a check be sent to you and view your statement online. Enroll online at www.csfecu20.com. Our audio response system gives you 24 hour access to all of your credit union accounts for balances, transfers, checks, etc. from your
telephone. Teller Phone 707-443-2424 or 800-644-2024
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| Debit/ ATM |
Use your debit card almost anywhere Visa is accepted for all your point of sale transactions. Also, access your credit union accounts at hundreds of ATM’s
displaying the STAR or Co-Op logo.
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| Visa TravelMoney |
CSFECU offers Visa TravelMoney for a low fee. Call our office for details. |
| Payroll
Deduction |
Save time and avoid possible late charges when making loan payments or add to your savings. You can arrange automatic, regular deductions from your
paycheck into any of your CSFECU accounts.
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| Direct
Deposit/ACH |
Deposit your paycheck, Social Security, retirement check or any other recurring deposit or payment directly into your CSFECU account. |
| Join Us |
Eligible persons may join CSFECU by completing a membership card and depositing a minimum of $50.00 into a share account. Remember, once a member, always a member! |
| Family
Membership |
You may also sponsor your family members for credit union membership. Click on Join Us for details.
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Schedule of
Fees
| Checking Accounts |
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| Monthly Service Charge* |
$3.00 per stmt. cycle |
| Overdraft Protection** |
$3.00 per transfer |
| NSF Checks |
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| Paid Against Insufficient Funds |
$10.00 each item |
| Return Unpaid |
$10.00 each item |
| Stop Payment Order |
$7.00 each item |
| Copy of Checks (first 3 free) |
$3.00 each item |
| ATM |
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| Unlimited ATM Transactions |
No charge |
| Replacement Card |
$5.00 each |
| ACH |
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| Overdraft Protection** |
$3.00 each |
| Overdraft Return |
$10.00 each |
| Paid Against Insufficient Funds |
$10.00 each |
| Prepaid Cards |
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| TravelMoney *** |
$7.95 each |
| General |
| Returned Item (deposited or cashed) |
$3.00 each |
| Incomming Wires |
$7.00 each |
| Foreign Check Collection |
$25.00 minimum |
| Corporate Check (first 3 free) |
$5.00 each |
| Stop Payment of Corporate Check |
$10.00 each |
| Account Reconciliation/Research |
$25.00 per hour |
*The monthly service charge will be
waved if you meet one of the following criteria:
- You are 62 years or older
- You have an open consumer loan (excluding real estate
and Visa) on the statement cycle date
- You maintain a minimum balance of $500.00 in your checking account during the statement cycle
**Overdraft protection can be provided by transferring funds from your share account (signer must be the same as on the checking account) in $100.00 increments.
*** See brochures for additional fees
EFFECTIVE DATE: February 1, 2008
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| Routing
Number:
Our Routing and Transit Number
is 321172219. This number is used when setting up Direct
Deposits and Automatic Withdrawals. |
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