First-Time User | Forgot Password?

Apply-Online

ATM & Branch Locator

Available-247

free-ATMs

paperless

PDF Print Email

Relationship Rewards

As a cooperative institution, the success of Schools FCU depends on member participation. Your support allows us to continue offering our products and services at the lowest possible costs, while also allowing us to continually find ways to serve you better. Relationship Rewards is our way of saying thanks for being an active member. The more business you do with us, the more rewards you are eligible for.

Relationship Rewards pays you back for your support with discounts on auto loans, bonus dividends on term share accounts, and a host of free services.

There are five membership tiers. Yours is determined by combining your entire household's relationships with Schools FCU, including services and total deposit/loan balances.

Platinum Level

  • Combined household loan* and deposit balances of $50,000
    or both of the following:
  • Checking with Direct Deposit (at least $500 per month)
  • Combined household loan* and deposit balances of $20,000

Gold Level

  • Combined household loan* and deposit balances of $25,000
    or both of the following:
  • Checking with Direct Deposit (at least $500 per month)
  • Combined household loan* and deposit balances of $10,000
    SilverPlus Level

SilverPlus Level

  • Combined household loan* balances of $500
    or both of the following:
  • Checking with Direct Deposit (at least $500 per month)
  • eStatements

*Mortgage loans count toward your Relationship Rewards tier only if payments are made to Schools FCU.

Silver Level

If you don't meet our Platinum, Gold, or SilverPlus requirements, it's easy to move up. Just open a checking account with direct deposit and eStatements. Or bring savings here from other financial institutions, take out an auto loan or refinance your current auto loan from another lender with us, transfer credit cards to your Schools FCU Visa, or use your Home Equity Line of Credit to fund a remodeling project. And a mortgage, for purchase or refinance, could move you all the way to Platinum.

College Account

Delivers the services a college student needs, priced to fit a college student's budget. Plus, parents can transfer funds into the account as needed. Learn more.

Relationship Rewards Benefits*

Please note that we have made a few changes to our FEE SCHEDULE effect March 1, 2013.

BenefitPlatinumGoldSilverPlusSilverCollege
Activity Print Out (per page) $2.00 $2.00 $2.00 $2.00 $2.00
ATM Transaction- Non CO-OP Free $1 $1 $1 $1
Bill Payer Free Free Free Free Free
Cashiers Checks Free $5 $5 $5 $5
Debit/Credit Card Replacement $5 $5 $5 $5 $5
Copy of Paid Check (each) $2 $2 $2 $2 $2
Check Cashing Free Free $10 $10 $10
Check Cashing (Non Member) $15 $15 $15 $15 $15
Copy of Previous Months Statement (per page) $2 $2 $2 $2 $2
Dormant Account (Quarterly) $6 $6 $6 $6 $6
Early Closure Fee (90 days) $5 $5 $5 $5 $5
Escheat Accounts $7 $7 $7 $7 $7
eStatements Free Free Free Free Free
Gift Cards (AMEX) $5 $5 $5 $5 $5
Home Banking Free Free Free Free Free
Inactive Checking Account (3 months) $10 $10 $10 $10 $10
IRA Closure/Transfer $20 $20 $20 $20 $20
IRA Closure/Transfer $20 $20 $20 $20 $20
Levy/Garnishment $50 $50 $50 $50 $50
Loan Overdraft Transfer Fee (checking) $3 $3 $3 $3 $3
Membership Fee $5 $5 $5 $5 $5
Money Orders Free $3 $3 $3 $3
Monthly Maintenance Fee Free Free Free $2 Free
Notary Service (excluding CU business) Free $10 $10 $10 Free
Non Sufficient Funds $30 $30 $30 $30 $30
Paper Statement Fee (under 60 yrs old) $2 $2 $2 $2 $2
Courtesy Pay $30 $30 $30 $30 $30
Research Request/Hourly Rate $50 $50 $50 $50 $50
Return Deposit Item $30 $30 $30 $30 $30
Returned Mail $5 $5 $5 $5 $5
Social Security Number (Error) $50 $50 $50 $50 $50
Stop Payment $25 $25 $25 $25 $25
Verification of Deposit $10 $10 $10 $10 $10
VISA APR Discount 1 percent - - - -
VISA Credit Card Annual Fee Free Free Free Free Free
Wire Transfer- Domestic $30 $30 $30 $30 $30
Wire Transfer- International (incoming) $10 $10 $10 $10 $10
Wire Trace Fee $20 $20 $20 $20 $20
Loan Extension Fee (per month) $35 $35 $35 $35 $35
Loan Recalculation (Research/Hourly) $30
$30
$30
$30
$30
Check by Phone (pmt) $20 $20 $20 $20 $20
Empty Envelope/Non-Negotiable $50 $50 $50 $50 $50
Auto Foreign Travel Authorization $25 $25 $25 $25 $25
Due Date Change $25 $25 $25 $25 $25
Loan Audit Fee (Full Audit) $325 $325 $325 $325 $325