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Rates & Fees

Share
Savings & Checking
Account Minimum Dividend Rate APY*
Regular Shares $300.00 .05% .05%
Youth Shares $5.00 .05% .05%
Checking $5,000 ADB** .05% .05%
Business Checking N/A N/A N/A
Christmas/Vacation Shares N/A .05% .05%
Money Market
  Dividend Rate APY*
$1,000 to $24,999 0.20% 0.20%
$25,000 to $99,999 0.30% 0.30%
$100,000 and over 0.50% 0.50%
Share & IRA Certificates
Term Minimum Dividend Rate APY*
6 Month Certificate $1,000 0.70% 0.70%
1 Year Certificate $1,000 1.05% 1.05%
2 Year Certificate $1,000 1.50% 1.51%
3 Year Certificate $1,000 1.65% 1.66%
4 Year Certificate $1,000 1.85% 1.87%
5 Year Certificate $1,000 2.25% 2.27%

*APY is Annual Percentage Yield.
Rates are subject to change without notice. Rates are as of February 1, 2019.. Share Certificates are subject to penalty for early withdrawal and may reduce earnings.

** Average Daily Balance

 
Membership Plan Consumer Business
Share (Savings) Account
Membership Share $5.00 $5.00
Youth Account (under 17 years of age) $5.00 --
Re-open Fee (re-opened within 90 days of closing) $10.00 $10.00
Closure Fee (closed within 90 days of opening) $10.00 $10.00
Withdrawal & Transfer Fee (By Point of Sale, Phone or Internet Banking in excess of 6 per month, maximum of 3 auto-transfer to cover checking account over-draft, in accordance with Federal Regulation D). In person or through an ATM, these transactions are FREE. $5.00 per transaction $5.00 per transaction
Holiday Club Early Withdrawal Fee $5.00 $5.00
ATM Fees
Withdrawal/Transfer Fee (for each transaction in excess of 5 per month.) No fee for transactions at Canyon State Credit Union ATMs when using Canyon State Card. No fee for use at Point of Sale) $1.00 each $1.00 each
NSF (Non-Sufficient Funds) Fee $30.00 $30.00
Deposit of non-negotiable item $30.00 $30.00
Empty Envelope $30.00 $30.00
Checking Account
CashBack Checking (FREE if enrolled in Estatements) FREE if enrolled in Estatements  
Lopes Checking FREE if enrolled in Estatements  
Simple Business Checking   $7.00 per month (waived with minimum daily balance of $1,500+)
Try Again Checking $10.00 per month --
Check Printing Costs Varies Varies
NSF (Non-Sufficient Funds) Fee $30.00 $30.00
Overdraft Privilege Fee $30.00 $30.00
Share Draft Copy Fee $5.00 per copy $5.00 per copy
Stop Payment Fee (one check or a sequential range of checks) $30.00 per request $30.00 per request
Online Banking & Bill Pay FREE FREE
Bill Pay Expedited Payment Overnight Check $30 Overnight Check $30
Debit Card Foreign Transaction Fee 1.5% of transaction 1.5% of transaction
Money Market Account
Minimum Balance Fee (if balance drops below $1,000) $5.00 per month $5.00 per month
Withdrawal Fee Transaction (by preauthorized transfers, automatic transfers, Phone or Internet Banking in excess of 6 per month, maximum of 3 auto-transfer to cover checking account overdraft (in accordance with Federal Regulation D). In person or through an ATM, these transactions are FREE. $5.00 each $5.00 each
Other Services Fees
Returned Deposited Check (from member’s own account on another financial institution) $30.00 per check $30.00 per check
Returned Deposited Check (from third party) $10.00 per item $10.00 per item
Copy of Deposited Check $5.00 per copy $5.00 per copy
Wire Transfer Fee (outgoing in U.S.) $20.00 per transfer $20.00 per transfer
Incoming Wire N/A $10.00 each
Cancellation ACH Origination (within 90 days) $20.00 per item $20.00 per item
ACH Insufficient Funds $30.00 $30.00
ACH Stop Payment Fee $30.00 per item $30.00 per item
ACH Origination Outgoing $10.00 $10.00
Money Order Fee $3.00 $3.00
Inactive Accounts (after 12 months, balances less than $100.00) $5.00 per month $5.00 per month
Official Check Fee (payable to a third party) $3.00 per check $3.00 per check
Statement Copy Fee $5.00 per copy $5.00 per copy
Official Check Copy $5.00 per copy $5.00 per copy
Debit Card Sales Slip Copy $5.00 per copy $5.00 per copy
Account Reconciliation – Research Fee $15.00 per hour $15.00 per hour
Returned Mail $5.00 $5.00
Replacement of ATM/Debit Card (after
1st card lost or stolen)
$10.00 per card $10.00 per card
Rush Card Delivery Fee $30.00 per rush $30.00 per rush
Cancellation of ACH Pre-Authorized
Transaction
$25.00 $25.00
Collection Item $10.00 $10.00
Foreign Item Processing $10.00 $10.00
IRA Transfer to Another Institution $25.00 $25.00
Escheat Administrative Fee (fee for annual remittance of unclaimed property to the State of Arizona, with no account activity for three years) $100.00 or balance in account if less than $100.00 $100.00 or balance in account if less than $100.00
Legal Processing Fee (fee to process garnishment or levy) $50.00 $50.00
Subordination Agreement Fee (real estate) $150.00 --
Coin Deposit or Exchange Fee Total amount of coin less than $50.00 no fee. Total amount of coin greater than $50.00, a fee of 5% of total dollar amount. Total amount of coin less than $50.00 no fee. Total amount of coin greater than $50.00, a fee of 5% of total dollar amount.
Coin Withdrawal Fee (assessed on each coin denomination; no charge if 2 or fewer rolls per day) 10% of withdrawal 1% of withdrawal
Cash/Coin Special Orders N/A 1%
Paper Statement (Free for Age 17 and Younger and Age 65 and older) $2.00 $2.00 — Ages removed
Verification of Deposit $10.00 $10.00
Consumer MasterCard Credit Cards
Late Payment Fee $15.00
Over-the-Credit Limit Fee None
Returned Payment Fee $20.00
Foreign Transaction Fee 1.5% of transaction
Balance Transfer Stop Payment Fee $43.00
Replacement Card Fee (after 1st card lost or stolen) $10.00 per card

Fee schedule as of January 2016