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

RATES

Loan Rates       Savings Rates       Certificate Rates       Fee Schedule      

Effective as of: December, 1 2014
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.
Share Draft Fees:
Transfer Fee$2.00
NSF Fee$35.00
Courtesy Pay Fee$35.00
Stop Payment Fee$35.00
Stop Payment on CU Checks Fee$35.00
( over $500, must purchase an Indemnity Bond)
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$25.00
Garnishment Fee$50.00
NSF ACH Fee$35.00
ACH Stop Payment Fee$30.00
Application Fee$25.00
Additional Monthly Statement Fee$3.00
Counter Check Fee$0.25
Dormant Account over 1 year$5.00 per month
Credit Union Check Fee$2.00
Credit Union Check Copy Fee$3.00
Debit Card Pin Reorder Fee$5.00
Debit Card Replacment Fee$10.00
Annual Debit Card Fee$10.00 / Individual
$15.00 / Joint
Debit Card Close $25.00
Reopen Closed Account$25.00
Visa Late Fee/ Over Limit$39.00
Visa Gift Cards$5.00
Travel Cards$5.00
Mortgage Payoff Request$25.00
Loan Application Fee$50.00
Loan Doc Fee$35.00
Returned Mail Fee$5.00 per item
IRA Account Annual Maintance$50.00

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".