Balance required to avoid fees at Houston Highway CU $3000.
Balance required to avoid fees at many other competing credit unions $5 to $25.
Houston Highway Credit
Schedule of Fees
Monthly Membership Fee
| Tier 1 Less than or equal to $999.99 |
$3.00/Month |
|
| Tier 2 $1,000.00 to $1,999.99 |
$2.00/Month |
|
| Tier 3 $2,000.00 to $2,999.99 |
$1.00/Month |
|
| Tier 4 $3,000.00 and above |
$0.00/Month |
FREE |
| Minor Account: 0 – 17 years old |
$0.00/Month |
FREE |
Share Draft/Checking Account Fees
| Overdraft (Transfer) |
$4.00 per item |
|
| Member Privilege Overdraft |
$29.00 per item |
|
| NSF/ Returned Item |
$29.00 per item |
|
| Stop Payment |
$20.00 per item |
|
| Check Copy |
$2.00 per item |
1st Item FREE |
| Check Printing |
Prices may vary depending upon style |
|
| Temporary Checks |
$0.00 |
FREE |
Other Service Fees (applicable to all accounts)
| Deposited Item Return |
$0.00 |
FREE |
| Account Reconciliation |
$20.00 per hour |
|
| Statement Copy |
$2.00 per copy |
1st Month FREE |
| Wire Transfer (Outgoing) |
$22.00 per transfer |
|
| International Wire Transfer (Outgoing) |
$45.00 per item |
|
| 3:00 p.m. cutoff time for all wire transfers |
|
|
| Western Union (Outgoing) |
$29.00 per transfer |
|
| 3:00 p.m. cutoff time for all western union |
|
|
| Cashier’s Check |
$0.00 |
FREE |
| Money Order |
$0.00 |
FREE |
| Teller Check |
$0.00 |
FREE |
| Gift Card ($25-1000) |
$0.00 |
FREE |
| Photo Copy |
$0.00 |
FREE |
| Fax |
$0.00 |
FREE |
| Check Cashing Fee May Apply |
$0.00 |
FREE |
Electronic Funds Transfer Fees
| Additional Cards Issued |
$0.00 |
FREE |
| NonproprietaryAtm Withdrawal/Transfer |
$1.00 |
|
Safe Deposit Box Fees (by rental size)
| Annual Rental Size: |
|
| 3 x 5 |
$30.00 |
| 3 x 10 |
$40.00 |
| 5 x 10 |
$60.00 |
| Drilling of Box |
Actual locksmith charges – estimated $200.00 |
Share Value
| Par Value of One Share |
$5.00 |
Rates effective as of January 1, 2015.
The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.
Why should you care about excessively high credit union fees if they don’t currently affect you at Houston Highway CU?
When the credit union starts charging excessive fees, and it goes unpunished, what is to keep them from introducing more excessive fees that do affect you in the future? Unjust excessively high fees need to be stopped right away before they out of control and hit you too.
Be sure to check out the other pages.
https://houstonhighwaycreditunion.wordpress.com/2014/10/01/houston-highway-credit-union-requires-3000-minimum-to-avoid-fees-how-is-that-better-than-a-bank
https://www.houstonhighwaycu.com/rates/schedule-of-fees.php
Schedule of Fees
Monthly Membership Fee
| Tier 1 Less than or equal to $999.99 |
$3.00/Month |
|
| Tier 2 $1,000.00 to $1,999.99 |
$2.00/Month |
|
| Tier 3 $2,000.00 to $2,999.99 |
$1.00/Month |
|
| Tier 4 $3,000.00 and above |
$0.00/Month |
FREE |
| Minor Account: 0 – 15 years old |
$0.00/Month |
FREE |
Share Draft/Checking Account Fees
| Overdraft (Transfer) |
$4.00 per item |
|
| Member Privilege Overdraft |
$29.00 per item |
|
| NSF/ Returned Item |
$29.00 per item |
|
| Stop Payment |
$20.00 per item |
|
| Check Copy |
$2.00 per item |
1st Item FREE |
| Check Printing |
Prices may vary depending upon style |
|
| Temporary Checks |
$0.00 |
FREE |
Other Service Fees (applicable to all accounts)
| Account Reconciliation |
$20.00 per hour |
|
| Statement Copy |
$2.00 per copy |
1st Month FREE |
| Deposited Item Return |
$20.00 per item |
FREE Non-Member |
| Wire Transfer (Outgoing) |
$22.00 per transfer |
|
| International Wire Transfer (Outgoing) |
$45.00 per item |
|
| 3 p.m. cutoff time for all wire transfers |
|
|
| Western Union (Outgoing) |
$29.00 per transfer |
|
| 3 p.m. cutoff time for all western union |
|
|
| Cashier’s Check |
$0.00 |
FREE |
| Money Order |
$0.00 |
FREE |
| Teller Check |
$0.00 |
FREE |
| Gift Card ($25-1000) |
$0.00 |
FREE |
| Photo Copy |
$0.00 |
FREE |
| Fax |
$0.00 |
FREE |
| Check Cashing Fee May Apply |
$0.00 |
FREE |
Electronic Funds Transfer Fees
| Additional Cards Issued |
$0.00 |
FREE |
| NonproprietaryAtm Withdrawal/Transfer |
$1.00 |
|
Safe Deposit Box Fees (by rental size)
| Annual Rental Size: |
|
| 3 x 5 |
$30.00 |
| 3 x 10 |
$40.00 |
| 5 x 10 |
$60.00 |
| Drilling of Box |
Actual locksmith charges – estimated $200.00 |
Share Value
| Par Value of One Share |
$5.00 |
Rates effective as of September 1, 2014.
Be sure to check out the other pages.
Houston Highway Credit Union requires a $3000 minimum balance to avoid fees. How is that better than a bank?
Houston Highway Credit Union CU is worse than a bank
Houston Highway CU Credit Union 