ACCOUNT PRIVILEGESClassic CheckingStars+ CheckingPlatinum Checking
Free 24/7 Access to Home BankingYesYesYes
Free Mobile BankingYesYesYes
Free e-StatementsYesYesYes
Free Bank-by-PhoneYesYesYes
Issue Debit/ATM CardsYesYesYes
Overdraft Privilege*YesYesYes
Unlimited Check WritingYesYesYes
Free Cashier's Checks Per Month3510
Overdraft Transfer ProtectionYesYesZero-Fee
Savings on Safe Deposit Box-10%25%
Competative-Tiered Interest-YesYes
Free Temporary Checks**--Yes
Free Coin Verification--Yes
Free Accidental Death Insurance--Yes
Dividends Earned***-YesYes
Minimum Balance Fees$5 for balance<$500Free$10 for balance<$1500

*After 60 days for new accounts. ** On a limited basis. *** Dividends earned on balances >$9,999.00

STARS+ & PLATINUM TIERED CHECKING RATES BY AMOUNTAPR†APY‡
$0.00 - $9,999.990.001%0.001%
$10,000.00 - $24,999.990.001%0.001%
$25,000.00 - $40,999.990.001%0.001%
$50,000.00 - $99,999.990.001%0.001%
$100,000.00 & Over0.001%0.001%

Annual Percentage Rate Annual Percentage Yield

The Board of Directors, as required by law, reviewed and set the rates effective May 31, 2016. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.

Your share account (Savings Account) is the key to the credit union's success. The savings you and other members maintain on deposit with the credit union represents your share of ownership.  A minimum deposit of $5 must remain in the account if continued membership is desired.