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: April 11, 2025
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Savings, Money Market & IRA Rates
| Account Type | Share Savings Account | Money Market Savings Account | IRA 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% |
0.30% |
N/A |
|
$10,000.00 - $24,999.99 |
0.075% |
0.35% |
N/A |
|
$25,000.00 - $49,999.99 |
0.075% |
0.40% |
N/A |
|
$50,000.00 - $99,999.99 |
0.075% |
0.60% |
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 Certificate | 1-Year, 2-Year, 3-Year, 4-Year, and 5-Year IRA Certificate | Christmas 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 |
|
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 |
2.50% |
N/A |
N/A |
N/A |
N/A |
|
182-Day |
N/A |
3.40% |
N/A |
N/A |
N/A |
|
1-Year |
N/A |
N/A |
3.85% |
3.85% |
0.10% |
|
18-Month |
N/A |
N/A |
3.50% |
N/A |
N/A |
|
2-Year |
N/A |
N/A |
3.35% |
3.35% |
N/A |
|
3-Year |
N/A |
N/A |
3.10% |
3.10% |
N/A |
|
4-Year |
N/A |
N/A |
3.20% |
3.20% |
N/A |
|
5-Year |
N/A |
N/A |
3.20% |
3.20% |
N/A |
Checking Rates
| Account Type | Basic Checking | Checking Plus | Heritage 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 01/01/2025)
| Type | Annual Percentage Rate (APR)* | Conditions | Term | Financing |
|---|---|---|---|---|
|
New Auto (Model Year 2024 or newer)
Tesla financing requires 20% equity |
4.25% - 11.25%
4.25% - 11.25%
4.25% - 11.25%
4.70% - 11.70%
5.00% - 12.00%
5.50% - 12.50%
|
N/A
N/A
N/A
N/A
$20,000+
$30,000+
|
24 Months+
36 Months^
48 Months~
60 Months±
72 Months§
84 Monthsƒ
|
100% MSRP for most based on credit worthiness.
|
|
Used Auto (Model Year 2015 or newer)
Tesla financing requires 20% equity |
4.50% - 11.50%
4.50% - 11.50%
4.70% - 11.70%
5.00% - 12.00%
6.00% - 13.00%
7.00% - 14.00%
|
N/A
N/A
N/A
N/A
$20,000+
$30,000+
|
24 Months+
36 Months^
48 Months~
60 Months±
72 Months§
84 Monthsƒ
|
100% of Retail Value for most based on credit worthiness.
|
| Special Interest Auto |
6.50% - 13.50%
6.75% - 13.75%
7.00% - 14.00%
7.25% - 14.25%
|
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
|
75% of Appraised value for most based on credit worthiness. |
| New Motorcycle |
6.50% - 13.50%
6.75% - 13.75%
7.00% - 14.00%
7.25% - 14.25%
7.75% - 14.75%
|
N/A
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
72 Months
|
85% MSRP for most based on credit worthiness. |
| Used Motorcycle |
6.50% - 13.50%
6.75% - 13.75%
7.00% - 14.00%
7.25% - 14.25%
8.00% - 15.00%
|
N/A
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
72 Months
|
85% MSRP for most based on credit worthiness. |
| New Boat or RV |
6.50% - 13.50%
6.75% - 13.75%
7.00% - 14.00%
7.50% - 14.50%
7.75% - 14.75%
8.25% - 15.25%
8.50% - 15.50%
8.75% - 15.75%
9.50% - 16.50%
9.75% - 16.75%
|
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
72 Months
84 Months
96 Months
108 Months
120 Months
180 Months
|
85% MSRP for most based on credit worthiness. |
| Used Boat, Used RV Misc Collateral |
6.50% - 13.50%
6.75% - 13.75%
7.00% - 14.00%
7.25% - 14.25%
7.75% - 14.75%
8.00% - 15.00%
8.50% - 15.50%
8.75% - 15.75%
9.00% - 16.00%
9.75% - 16.75%
|
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
72 Months
84 Months
96 Months
108 Months
120 Months
180 Months
|
85% MSRP for most based on credit worthiness. |
| Personal Loans** |
8.75% - 16.75%
8.75% - 16.75%
9.00% - 17.00%
9.25% - 17.25%
9.50% - 17.50%
|
N/A
N/A
N/A
N/A
N/A
|
24 Months
36 Months
48 Months
60 Months
72 Months
|
N/A |
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 $43.54 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.
* 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 $43.54 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 |
Money Market Savings Account
| Description | Fee |
|---|---|
|
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 |
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
| Description | Fee |
|---|---|
|
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) |
$5.95 |
|
Incoming wire transfers |
$10.00 |
|
Outgoing domestic wire transfers |
$15.00 |
|
Outgoing international wire transfers |
$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 |
Safe Deposit Box
(available at the Fayetteville, Griffin, Newnan, LaGrange, Peachtree City, McDonough and Jonesboro branches)
| Description | Fee |
|---|---|
|
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 |