Member Relationship Tiers

Combined Deposit/Loan Balances1 Partner/Homeowner Preferred Classic + Classic
$100,000 or more $25,000-$99,999 $5,000-$24,999 Under $5,000
SMCU ATMs Free Free Free Free
SMCU OnLine and Bill Pay Free Free Free Free
Visa® Direct Check Card Free Free Free Free
Personal Auto Shopper Service Free Free Free Free
Financial Seminars Free Free Free Free
Check Orders $5 $5 Standard Cost Standard Cost
Cashiers Check Free Free $28 $28
Money Order Free Free $28 $28
American Express Travelers Checks Free Free Free Free
Outgoing Domestic Wire Transfers No Charge No Charge $208 $208
Non-SMCU ATM Network Withdrawal Unlimited 10 Free Per Month 3 Free Per Month 10 Free Per Month
Point of Sale Transactions Free Free Free Free
Reimbursement of Non-SMCU ATM Network Surcharge (Other Institution Fee)4 $15 per month4 $5 per month4 None None
0.25% APR Auto Loan Discount Yes Yes No No
0.25% APR HELOC Discount5 Yes Yes No No
Rebate on Mortgage Closing Cost Up to $5006 Up to $2506 No No
Standard Certificate Rate Bump 0.25% APY7 No No No
Visa Gift Card Free Free Free Free
1

Deposits may include checking, savings, money market, and certificates. Loans may include real estate, auto, and personal. Past due loans will not be counted in overall total.

2 One box per order.
3 If you do not have an overdraft protection source or if your overdraft source lacks funds, SMCU can elect to pay items that would overdraw your account.
4 Reimbursement  is by request only. 
5 New HELOC (Home Equity Line of Credit) loans. 
6 Partner: $250- Re-finance existing mortgage / $500- Rebate if finance new mortgage.  Preferred: $125- Re-finance existing mortgage / $250 Rebate if finance new mortgage. 
7 Not available on promotional rates
8 Charge may be waived depending upon member relationship tier.
5