Fee Schedule

Picture of a couple looking at a laptop holding a card


Updated as of 12/3/2019

Share Draft NSF Charge $29.00 per item
Draft Overdraft Transfer $4.00 per overdraft transfer
Stop Payment Charge  $25.00 per item
Starter Checks $0.40 per page
Wire Transfer $20.00 per transfer
Wire Transfer – International $30.00 per transfer
History Inquiry $2.00 per page
ATM Annual Fee None
ATM Transaction(s) First 8 – No Charge, 9 or more – $1.00 each (charged individually by SCECU)
ATM Card – Replacement $5.00 per card
ATM Card – Additional card $5.00 per card
ATM Card – Restore/New PIN $5.00 per PIN
Collections Item Varies – Depending on Item
Foreign Check Varies – Depending on Item
Account Research $25.00 per hour
Reg D Violation $1 per transaction


A monthly dormant account fee of $2.00 will be charged if there is no activity on your share account for 12 months, you do not use any other services, and your account balance is less than $150.


If you are using any of our services listed below you will not be affected by the $2.00 monthly dormancy fee.  Share accounts of members under age 18 will not be affected.

  • Certificate of Deposit
  • Share Draft Account
  • Money Management Account
  • IRA
  • Club Accounts
  • Direct Deposit
  • MasterCard
  • Mortgage Loans
  • Consumer Loans
  • ATM
  • Home Equity Loans
  • Payroll Deduction

Any questions or concerns regarding the rates and fees listed here should be directed to Saginaw County Employees Credit Union, 1700 Court Street, Saginaw, Michigan 48602-4071 or by phone (989) 793-9188