Rates & Fee Schedule

The rates appearing below are accurate as of the last dividend declaration date, or as of the date indicated above. If you have any questions or require current rate information on your accounts, please contact us.

Updated: December 10, 2024

Choose a Product

Fee Schedule

Rate and Fee Schedule (Printable Version)

Savings, Money Market & IRA Rates

Account TypeShare Savings AccountMoney Market Savings AccountIRA Shares Account

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 

Term Share Certificate and IRA Certificate Accounts

Account Type

91-Day Term Share Certificate

182-Day Term Share Certificate 

1-Year, 18-Month, 2-Year, 3-Year, 4 Year, and 5-Year Term Share Certificate1-Year, 2-Year, 3-Year, 4-Year, and 5-Year IRA CertificateChristmas and
Vacation Club
Account

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

4.15%

4.15%

0.10%

18-Month

N/A

N/A

3.75%

N/A

N/A

2-Year

N/A

N/A

3.65%

3.65%

N/A

3-Year

N/A

N/A

3.30%

3.30%

N/A

4-Year

N/A

N/A

3.00%

3.00%

N/A

5-Year

N/A

N/A

3.35%

3.35%

N/A

Checking Rates

Account TypeBasic CheckingChecking PlusHeritage Club

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

Lending Rates

New and Used Auto Loan Rates1  (Revised 10/21/2024)
Type

Annual Percentage
Rate (APR)*

Conditions

TermFinancing

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^

 100% of MSRP 
 

4.00% – 11.00%

  N/A 48 Months~  100% of MSRP 
 

4.45% – 11.45%

  N/A  60 Months± 100% of MSRP 
 

4.75% – 11.75%

  $20,000+  72 Months§ 100% of MSRP 

 

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

 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
Used Motorcycle

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
New Boat or RV

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%

 N/A

120 Months

85% MSRP
   

9.50% - 16.50%

 N/A

180 Months

85% MSRP

Personal Loans**

8.75% - 16.75%

N/A

24 Months

  
 

8.75% - 16.75%

N/A

 36 Months  
 

9.00% - 17.00%

N/A

 48 Months  
 

9.25% - 17.25%

N/A

 60 Months  
 

9.50% - 17.50%

N/A

 72 Months  

1 Rates and terms are subject to credit approval and subject to change without notice.
* Annual percentage rate. This offer includes .25% for 10% equity. Offer and rate are based on the applicant’s credit history. Credit conditions and qualifications apply. Rates offered may require a down payment of 10% and an arrangement for automatic repayment.  Other restrictions may apply. The offer excludes all loans financed by the credit union. Offer coupon may not be used in conjunction with any other promotion or applied to existing vehicle loans with The Southern Credit Union. Rate offered will not fall below established floor limits. Credit conditions and qualifications apply.
+ 24-month term. For a loan at 4.25% APR, 24 monthly payments of $43.44 per $1000 borrowed.  ^ 36-month term. For a loan at 4.25% APR, 36 monthly payments of $28.96 per $1000 borrowed.
~ 48-month term. For a loan at 4.25% APR, 48 monthly payments of $21.72 per $1000 borrowed.  ± 60-month term. For a loan at 4.70% APR, 60 monthly payments of $17.45 per $1000 borrowed.
§ 72-month term. For a loan at 5.00% APR, 72 monthly payments of $14.58 per $1000 borrowed.  ƒ 84-month term. For a loan at 5.50% APR, 84 monthly payments of $12.56 per $1000 borrowed. 
** Rates are based on the applicant’s credit history. Credit conditions and qualifications apply. For a personal loan at 8.75% APR, 24 monthly payments of $45.31 per $1000 borrowed. For a personal loan at 8.75% APR, 36 monthly payments of $30.21 per $1000 borrowed. For a personal loan at 9.00% APR, 48 monthly payments of $22.71 per $1000 borrowed. For a personal loan at 9.25% APR, 60 monthly payments of $18.21 per $1000 borrowed. For a personal loan at 9.50% APR, 72 monthly payments of $15.21 per $1000 borrowed.

Fee Schedule

This Rate and Fee Schedule is part of your Agreement with the Credit Union.

Credit To Accounts For Member Deposits and Business Day Disclosure

The Credit Union's "daily cut-off time"

All deposits or transactions received after the time we close for business on a day we are open or received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open.

Night depository disclosure

Our Night Depository is opened at 8:00 a.m. daily. Deposits made after 8:00 a.m. or on a day we are not open will be processed on the next business day we are open. The Credit Union assumes no responsibility for cash placed in night depository.

Electronic Funds Transfer Services: Limitations, Fees, and other Important Information

  • Daily ATM Limits: $500/up to 10 transactions per 24 hours.
  • Daily POS Limits: $2500/up to 15 transactions per 24 hours.
  • Bill Payment Limits: $9999.00 per 24 hours.

The following fees and transaction limitations, if any, may be assessed against your account

Primary Share Accounts

Description

Fee

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.

 $1.00 per transaction

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
Money Market Savings Accounts
DescriptionFee

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

 $10.00 per month

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

$10.00 per transaction
Basic Checking

Description

Fee

Monthly maintenance fees

 None

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
Checking Plus

Description

Fee

Monthly maintenance fee (accounts falling below $750)

 $5.00

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
Heritage Club

Description

Fee

Monthly maintenance fee

 None

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
Organization Checking Account

Description

Fee

Monthly maintenance fee

 $20.00

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
Southern Way Checking Account

Description

Fee

Monthly maintenance fee 

 None

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
Other Fees
 ItemFee 

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