Rates & Fee Schedule

Annual Percentage Yield (APY)

See below

See below 

0.50% 

$0.00 - $99.99

0.00% 

0.00% 

N/A 

$100.00 - $2,499.99

 0.06% 

0.00% 

 N/A

$2,500.00 - $9,999.99

 0.06% 

0.35% 

N/A 

$10,000.00 - $24,999.99

 0.075% 

0.40%

 N/A

$25,000.00 - $49,999.99

 0.075% 

0.45% 

N/A 

$50,000.00 - $99,999.99

 0.075% 

0.65% 

N/A 

$100,000.00 +

 0.075% 

0.85% 

N/A 

Dividends Compounded

Quarterly 

 Daily

Quarterly 

Dividends Credited

Quarterly 

Monthly 

Quarterly 

Dividend Period

Quarterly 

Monthly 

Quarterly 

Minimum Opening Deposit

$25.00 

$2,500.00 

 N/A 

Minimum Balance to Avoid Service Charge

N/A 

$2,500.00 

N/A 

Minimum Balance to Earn APY Set Forth in This Schedule

 $100.00

$2,500.00 

N/A 

Minimum Opening Deposit - Minimum Balance to Earn APY

$500.00

$500.00

$500.00

$500.00

N/A

Dividends Compounded

N/A

N/A

Quarterly

Quarterly

N/A

Dividends Credited

Maturity

Monthly

Quarterly

Quarterly

Maturity
November 1st (Christmas)
May 1st (Vacation)

Dividend Period

Same as term

Monthly

Quarterly

Quarterly

Same as term

Term

Annual Percentage Yield

Annual Percentage Yield

Annual Percentage Yield

Annual Percentage Yield

Annual Percentage Yield

91-Day

2.00%

N/A

N/A

N/A

N/A

182-Day

N/A

3.75%

N/A

N/A

N/A

1-Year

N/A

N/A

4.25%

4.25%

0.10%

18-Month

N/A

N/A

4.00%

N/A

N/A

2-Year

N/A

N/A

3.70%

3.70%

N/A

3-Year

N/A

N/A

3.40%

3.40%

N/A

4-Year

N/A

N/A

3.25%

3.25%

N/A

5-Year

N/A

N/A

3.25%

3.25%

N/A

Annual Percentage Yield (APY)

N/A

 0.015%

 0.015%

Dividends Compounded

N/A

Quarterly

Quarterly 

Dividends Credited

N/A

Quarterly

Quarterly 

Dividend Period

N/A

Quarterly

Quarterly 

Minimum Opening Deposit

$20.00 

$20.00

 N/A 

Minimum Balance to Avoid Service Charge

N/A

$750.00 

N/A 

Minimum Balance to Earn APY Set Forth in This Schedule

N/A

$1,000.00 

$1,000.00

New Auto
(Model Year 2023 or newer)

4.00% – 11.00%

N/A

24 Months+

100% of MSRP

4.00% – 11.00%

N/A

36 Months^

4.00% – 11.00%

4.45% – 11.45%

4.75% – 11.75%

5.25% – 12.25%

$30,000+

84 Monthsƒ

100% of MSRP

Used Auto
(Model Year 2014 or newer)

4.25% – 11.25%

Monthly

24 Months+

100% of Retail Value

4.25% – 11.25%

N/A

36 Months^

100% of Retail Value

4.45% – 11.45%

N/A

48 Months~

100% of Retail Value

4.75% – 11.75%

N/A

60 Months±

100% of Retail Value

5.75% – 12.75%

$20,000+

72 Months§

100% of Retail Value

6.75% – 13.75%

$30,000+

84 Monthsƒ

100% of Retail Value

Special Interest Auto

6.25% – 13.25%

N/A

24 Months

75% of Appraised Value

6.50% – 13.50%

N/A

36 Months

75% of Appraised Value

6.75% – 13.75%

N/A

48 Months

75% of Appraised Value

7.00% – 14.00%

N/A

60 Months

75% of Appraised Value

New Motorcycle

6.25% - 13.25%

N/A

24 Months

6.50% - 13.50%

N/A

36 Months

6.75% - 13.75%

N/A

48 Months

7.00% - 14.00%

N/A

60 Months

7.50% - 14.50%

N/A

72 Months

6.25% - 13.25%

N/A

24 Months

6.50% - 13.50%

N/A

36 Months

6.75% - 13.75%

N/A

48 Months

85% MSRP

7.00% - 14.00%

N/A

60 Months

85% MSRP

7.50% - 14.50%

N/A

72 Months

85% MSRP

6.25% - 13.25%

N/A

24 Months

85% MSRP

6.50% - 13.50%

N/A

36 Months

85% MSRP

6.75% - 13.75%

N/A

48 Months

85% MSRP

7.00% - 14.00%

N/A

60 Months

85% MSRP

7.50% - 14.50%

N/A

72 Months

85% MSRP

7.75% - 14.75%

N/A

84 Months

85% MSRP

8.25% - 15.25%

N/A

96 Months

85% MSRP

8.50% - 15.50%

N/A

108 Months

85% MSRP

8.75% - 15.75%

N/A

120 Months

85% MSRP

9.50% - 16.50%

N/A

180 Months

85% MSRP

Used Boat
Used RV
Misc Collateral

6.25% - 13.25%

N/A

24 Months

85% MSRP

6.50% - 13.50%

N/A

36 Months

85% MSRP

6.75% - 13.75%

N/A

48 Months

85% MSRP

7.00% - 14.00%

N/A

60 Months

85% MSRP

7.50% - 14.50%

N/A

72 Months

85% MSRP

7.75% - 14.75%

N/A

84 Months

85% MSRP

8.25% - 15.25%

N/A

96 Months

85% MSRP

8.50% - 15.50%

N/A

108 Months

85% MSRP

8.75% - 15.75%

120 Months

85% MSRP

9.50% - 16.50%

180 Months

85% MSRP

Personal Loans**

8.75% - 16.75%

N/A

24 Months

8.75% - 16.75%

N/A

9.00% - 17.00%

N/A

9.25% - 17.25%

N/A

9.50% - 17.50%

N/A

Primary Share accounts are allowed 6 Regulation D withdrawals per month. Withdrawals that exceed the monthly maximum will be assessed a per transaction excessive withdrawal fee. For more information about Regulation D withdrawals, please refer to the Membership Agreement Booklet.

Membership maintenance fee (for members with this account only, and with a balance on the account less than $100.00, and the account having been open for at least one year).

$5.00 per month

Inactivity Fee (per month after 24 months without activity)

$5.00 per month or
$60.00 per year

Monthly maintenance fee (accounts falling below $2,500.00)

Excessive withdrawal fee for Money Market Savings account withdrawals in excess of 6 per month

$10.00 per transaction

Monthly maintenance fees

Share Draft Inactivity Fee (accounts with less than $100 and having no activity for at least one year)

$5.00 per month

Per check charge

None

Automated Teller Machine (ATM) transactions (at non-TSCU machines)

$1.50 each

ATM transaction fees at Credit Union owned machines

None

Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)

$35.00 per stop payment

Monthly maintenance fee (accounts falling below $750)

Share Draft inactivity fee (accounts with less than $100 and having no activity for at least one year)

$5.00 per month

Per check charge

None

ATM transactions (at non-TSCU machines) in excess of three transactions per month

$1.50 each

ATM transaction fees at Credit Union owned machines

None

Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)

$35.00 per stop payment

Monthly maintenance fee

Share Draft inactivity fee (accounts with less than $100 and having no activity for at least one year)

$5.00 per month

Per check charge

None

ATM transactions (at non-TSCU machines) in excess of three transactions per month

$1.50 each

ATM transaction fees at Credit Union owned machines

None

Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)

$35.00 per stop payment

Monthly maintenance fee

Share Draft inactivity fee (accounts with less than $100 and having no activity for at least one year)

$5.00 per month

Per check charge

None

ATM transactions (at non-TSCU machines) 

$1.50 each

ATM transaction fees at Credit Union owned machines

None

Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)

$35.00 per stop payment

Monthly maintenance fee 

Share Draft inactivity fee (accounts with less than $100 and having no activity for at least one year)

$5.00 per month

Per check charge

None

ATM transactions (at non-TSCU machines)

$1.50 each

ATM transaction fees at Credit Union owned machines

None

Stop Payment Order for Bill Payment, ACH, or Check (one free per calendar year)

$35.00 per stop payment

Insufficient/uncollected funds charge per check or automatic payment presented

$35.00 

 Maximum Daily Insufficient/Uncollected Funds Charges

 $280.00

Stop payment order (one free per calendar year) Bill Payment, ACH, or Check

$35.00 

Substitute check fee

$5.00 

Copies of account statements

$5.00 per statement 

Copy of original share drafts

$3.00 per copy 

Interim account statement printouts

$2.00 

Account reconciliation or account research per hour

$35.00 

Overdraft protection transfers (to cover check, ACH or ATM)

$5.00 

Bill Payment (free unlimited use for eStatement users or Heritage Club members)
Bill Payment accounts having no activity for a period of 90 days will be considered “inactive” and may be subject to closure without prior notice.

$5.95 

Incoming wire transfers

$10.00 

Outgoing domestic wire transfers
3:00 PM Eastern Time cut-off 

$15.00

Outgoing international wire transfers
12:00 PM Eastern Time cut-off

$45.00

Official check

 $5.00

First party checks returned on personal accounts

$35.00 

Second party checks returned on personal accounts 

$7.00 

Second party checks returned on organizational accounts

$15.00 

Negative account balance fee (more than 15 days)

$15.00 

OSP (Overdraft Security Privilege) Collection fee

$15.00 

Notary Service

Free to members 

Return Mail

 $5.00 for each statement cycle after 60 days

Closing account fee (within first 180 days), excluding clubs, per suffix

$10.00 

Levy, garnishment, attachment fee

Up to $100.00 

IRA Transfer Fee

$25.00 

Skip payment processing fee

$25.00

Pay by Phone Fee (ACH debit, debit card non TSCU account)

$10.00 per payment

VISA^® Over the Limit fee 

Up to $40.00 for each billing period in which new balance exceeds credit limit 

VISA^® Late Payment Fee 

Up to $40.00. Changes may affect the Credit Card Agreement. 

VISA^® Cash Advance Fee

$5.00 per cash advance 

VISA^® Sales Slip Copy Fee

$8.00 per copy 

VISA^® Card Replacement Fee

$5.00 per card

VISA^® Card (EMV) Replacement Fee

$10.00 per card 

VISA^® Card Expedited Delivery Fee

$70.00 per card

VISA^® Card PIN Mailer Expedited Delivery Fee

$70.00 per PIN mailer 

VISA^® Card Alternate Address Delivery Fee

 $45.00 per card

VISA^® Card PIN mailer Alternate Address Delivery Fee

$45.00 per PIN mailer

VISA^® Card Recovery Fee

$50.00

VISA^® Convenience Check Copy Fee

$3.00 per copy

Consumer Loan Late Charges

If you are more than seven (7) days late on any payment, we will charge you a late charge of 10% of the regularly scheduled payment with a minimum charge of $25.00 and a maximum charge of $75.00. The late charge may change as authorized by law. Changes may affect the Consumer Loan Note.

Line of Credit Late Charges

If you are more than seven (7) days late on any payment, we will charge you a late charge of 10% of the regularly scheduled payment with a minimum charge of $25.00 and a maximum charge of $75.00. The late charge may change as authorized by law. Changes may affect the Open End Agreement.

Online Loan Pay By Debit Card

$4.95

Consumer Loan Refinance Fee

1% of refinanced loan amount or $150.00, whichever is greater. Effective Annual Percentage Rate not to exceed 17.99% 

Consumer Loan Reapplication Fee

$25.00

Collection Fee/Foreign Check Presentment

$30.00

VISA^® Gift Card

$3.00 per card

VISA^® Prepaid Reloadable Card Account Fees and Charges

Personalized Card Fee

$5.95 per card

Non Personalized Card Fee

$6.95 per card

Secondary Card Fee

$3.00 per card

Card Replacement/Reissue Fee

$10.00 per card

Reload Fee

$1.00 per reload

Monthly Maintenance Fee

$3.95 per month

Domestic ATM Transaction Fee

$2.00 per transaction 

International ATM Transaction Fee

2% of transaction

Express Delivery Fee

$30.00 per card

Foreign Exchange Fee

2% of transaction

Text Messaging Monthly Fee

$1.00 per month

Automated Call Fee

$1.00 (4 free per month)

Live Agent Call Fee

$3.95 per call

Card Load Maximum

$5,000.00

 Safe Deposit Box Fees (available at the Fayetteville, Griffin, Newnan, LaGrange, Peachtree City, McDonough and Jonesboro branches)

3 X 5 X 24

$30.00 annually 

3 X 10 X 24

$50.00 annually 

10 x 10 x 24

 $125.00 annually 

5 X 5 X 24

$40.00 annually 

5 X 10 X 24

$70.00 annually 

7 X 10 X 24

$75.00 annually 

Safe Deposit Box Late Payment Fee (after 30 days)

$10.00 

Lost Safety Deposit Box Key(s)

One key = $75.00 

Safe Deposit Box Drilling Fee

$250.00