Rates & Fees

Share Rates

(Effective as of 4/1/2017)

Share Savings
Account Rate APY Balance required to earn dividend
Share Savings 0.20% 0.20% $150.00 - $3,999.99
Share Savings 0.25% 0.25% $4,000.00+
Money Market 0.30% 0.30% $10,000.00 - $49,999.99
Money Market 0.35% 0.35% $50,000.00 - $249,999.99
Money Market 0.45% 0.451% $250,000.00+
IRA Share Savings 0.50% 0.501% Any
Christmas Club 0.25% 0.25% Any
Vacation Savings 0.20% 0.20% Any
Escrow Savings 0.20% 0.20% Any
Non-Dividend Savings N/A N/A N/A
Share Draft Checking
Account Rate APY Balance required to earn dividend
Share Draft Checking 0.05% 0.05% $150.00 average daily balance
Non-Dividend Checking N/A N/A N/A
Share Certificates
Term Rate APY Minimum Deposit
6 Months 0.30% 0.30% $500.00
12 Months 0.50% 0.50% $500.00
18 Months 0.60% 0.60% $500.00
24 Months 0.70% 0.70% $500.00
30 Months 0.75% 0.75% $500.00
36 Months 1.00% 1.01% $500.00
48 Months 1.25% 1.26% $500.00
60 Months 1.50% 1.51% $500.00

APY stands for Annual Percentage Yield. Dividends paid monthly.


Loan Rates

(Effective as of 4/1/2017)

Auto Loan
(Car, SUV, or Pickup Truck)
Term APR
(New)
APR
(Used 2015-17)
APR
(Used 2012-14)
APR
(Used 2011 & older)
0-60 Months As low as 2.25% As low as 2.65% As low as 3.50% As low as 4.00%*
61-72 Months As low as 2.50% As low as 3.25% N/A N/A
Recreational Vehicle Loan
(ATV, Boat, Camper, Motorcycle, PWC, Snowmobile, Tractor, Trailer, or UTV)
Term APR
(New)
APR
(Used)
0-60 Months As low as 5.75% As low as 8.00%
61-84 Months As low as 6.75% As low as 8.50%
Home Equity Loan
(1st or 2nd Lien Position)
Term APR
0-60 Months    2.75%**
61-120 Months 3.60%
121-180 Months 3.99%
Mobile Home Loan
Term APR
(New)
APR
(Used)
0-96 Months As low as 6.75% As low as 8.50%***
Share Secured Loan
Term APR
0-60 Months 3.00%
61-120 Months 5.00%
Personal Loan
Term APR
0-36 Months As low as 9.90%
37-60 Months As low as 12.00%
Credit Card
Type APR
VISA Classic 12.90% Fixed
*Available only for terms up to 48 months. **Annual Percentage Rate (APR) shown is accurate as of 4/1/17 for a home equity loan with a term of up to 60 months and a loan-to-value (LTV) of 80% or less. The monthly payment per $1,000 borrowed is $17.86 for 5 years. No closing costs except for appraisal, if required. ***Available only for terms up to 84 months. Rates shown are for qualified borrowers only. Other restrictions apply.


Fee Schedule

PRODUCT OR SERVICE FEE
New Membership $1.00
Inactive Account $3.00
Account Escheat $40.00
Official Check 3 free/month, then $5.00/check
Money Order $2.00
Temporary/Starter Check(s) No fee with check order
Travelers Cheques No fee
Prepaid Travel Card
$6.00 ($100.00 minimum)
ATM/Debit Card Replacement $5.00
Expedited ATM/Debit Card Order $25.00
Online Banking No fee
Mobile Banking
No fee
OneClick Bill Pay
No fee
Domestic Wire Transfer – Outgoing $15.00
Domestic Wire Transfer – Incoming $10.00
International Wire Transfer – Outgoing $30.00
International Wire Transfer – Incoming $30.00
Single Statement Copy $2.00
Check Copy – Less than 5 years old $1.00
Check Copy – 5 years old or older $4.50
Deposit Item Copy No fee
Account Research $25.00/hour
Stop Payment – Personal Check $15.00
Stop Payment – Official Check $40.00
Returned Deposit Item $15.00
Returned Mail Item $1.00
Non-Sufficient Funds (NSF) Overdraft $25.00
Courtesy Pay Overdraft $25.00
Unavailable Funds Overdraft $25.00
Share Draft Protection Transfer $1.00
Excessive Savings Withdrawal $5.00
Late Payment – Credit Card $10.00
Late Payment – Loan $20.00
Electronic Lien Titling (PennDOT) $75.00
Member Notary Service No fee
Non-Member Notary Service $5.00/document
Non-Member Check Cashing* $5.00/check

*Applies to SRU FCU checks only. Fees subject to change at any time.

STAR CU$ MasterCard MasterCard SecureCode Harland Clarke

NOTICE TO ALL MEMBERS

We will not request confidential information from you via a phone call, text message, or email without your consent. If you receive a request for personal or financial information that you did not authorize with us in advance, do not respond or disclose anything to the requester. Please contact us if you have questions or concerns about suspicious activity on your account.

OFFICE HOURS:

Lobby
Monday - Thursday
9:00 AM - 5:00 PM

Friday
9:00 AM - 7:00 PM
 
Drive-Thru
Monday - Thursday
8:30 AM - 5:00 PM

Friday
8:30 AM - 7:00 PM

Closed
Saturday & Sunday

ATM LOCATIONS:

Main Office (Drive-Up)

Slippery Rock University
Watson Hall Lobby
(Walk-Up)

LOST OR STOLEN
ATM/DEBIT CARDS:

1-800-523-4175

VISA CREDIT CARD
ACCOUNT SERVICE:

1-800-433-0505

ONECLICK ONLINE
BILL PAY SUPPORT:

1-877-662-2513

ROUTING NUMBER:

243384981