Effective June 1, 2020

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

Share Savings Account  
Required Minimum Balance $5.00
Withdrawals exceeding 6 per month $5.00

Special Share Accounts  
Required Minimum Balance $50.00

Share Draft Account  
Plus Account (average monthly balance below $300) $5.00

Savings Certificates (Early Withdrawal Penalties)  
90 Day Term 30 Days Dividends
180 Day Term 30 Days Dividends
365 Day Term 60 Days Dividends
545 Day Term 90 Days Dividends
730 Day Term 90 Days Dividends

Loan Accounts
Late charge of 20% of interest due, received ten calendar days after payment is due, with minimum loan late fee is $5.00 and maximum loan late fee is $15.00. Loan Fee | $25.00

Account closure, assessed when Regular Share Savings account closed with 182 days of open date $5.00
Inactive account, assessed monthly to share account when total accounts have not had debit or credit transaction activity (excluding dividends or service charges) for more than 2 years and all deposit balances total less than $500.00 $5.00 over 18 years of age
Copy of statement $2.00 per page
Copy of Share Draft $2.00 per item
Paid Non-Sufficient Funds Transaction $25.00
Returned item, chargeback $35.00 per item
Accrued Interest Plus Deferral Fee $10.00
Stop payment of Certified Check $15.00
Stop payment of Share Draft (per item or sequence number of order) $15.00
Check Printing Varies by style
Cash Check Fee $10.00
VISA Check Card or ATM Reissue Card $5.00
Balance Inquiry at ATM $1.00
Non-Sufficient Funds ATM Withdrawal $35.00 per transaction
Non-Sufficient Funds Check/Debit Card $35.00 per transaction
Manual Update of Account Balance $5.00

Account Research or Reconciliation  
Hourly rate first hour $20.00
Each additional half hour $20.00
Minimum charge $20.00
Deposit Verification $15.00 per verification
Account Levy $20.00 per Levy
Account Garnishment $20.00 per garnishment
Bank Wire $15.00 per transaction
Money Orders $2.00 per item
Notary Public N/C
Stale-Dated Certified Check $20.00 per item
Duplicate Lien Release $5.00
Address Notification Change by Post Office $1.00
Return Deposit Fee $20.00
International ACH $20.00

NOTE: Fees and changes are subject to change

Dividend Rates for Current Period

Shares APR APY
Minimum Balance $5.00 .05% .051%

Share Drafts APR APY
Minimum Balance $300.00 .05% .051%


Audio Teller: (405) 272-6100

Lost/Stolen Cards

VISA Debit Card: (700) 000-0000

ATM Cards: (800) 791-2525

1111 North Lee Avenue, #125

Oklahoma City, OK 73103

Email: ContactUs@ssmokefcu.org

“They have always taken the time to help me and I have never been rushed when I needed information. They have tried to meet my needs when I needed financial help.”

Carl B. Record

Get in touch with us today if you have any questions about SSMOKE Federal Credit Union.