TODAY'S RATES FOR AUTOMOBILE, MOTORCYCLE, RECREATIONAL VEHICLE, PERSONAL LOANS AND CREDIT CARDS.
The rates contained in this Schedule are accurate as of October 1, 2018. For current information call Smart Financial Credit Union at (713) 850-1600 or (800) 392-5084. This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on creditworthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on secured loans may increase or decrease the rate. See a Smart Banker to apply or for additional information.
Rates Are Subject To Change - Contact Your Credit Union
Loans
| Automobile | ||
| Term | New APR | Used/Refinanced APR |
| Up to 36 months | 2.99%* - 17.99%* | 2.99%* - 17.99%* |
| Up to 48 months | 2.99%* - 17.99%* | 2.99%* - 17.99%* |
| Up to 60 months | 2.99%* - 17.99%* | 2.99%* - 17.99%* |
| Up to 72 months | 3.49%* - 17.99%* | 3.49%* - 17.99%* |
| Motorcycle | ||
| Term | New APR | Used/Refinanced APR |
| Up to 36 months | 3.49%* - 17.99%* | 3.49%* - 17.99%* |
| Up to 48 months | 3.74%* - 17.99%* | 3.74%* - 17.99%* |
| Up to 60 months | 4.99%* - 17.99%* | 4.99%* - 17.99%* |
| Up to 72 months | 6.49%* - 17.99%* | 6.49%* - 17.99%* |
| Boat & Recreational Vehicle Loans | ||
| Term | New APR | Used/Refinanced APR |
| Up to 36 months | 3.49%* - 17.99%* | 3.49%* - 17.99%* |
| Up to 48 months | 3.74%* - 17.99%* | 3.74%* - 17.99%* |
| Up to 60 months | 4.99%* - 17.99%* | 4.99%* - 17.99%* |
| Up to 72 months | 6.49%* - 17.99%* | 6.49%* - 17.99*% |
| Up to 84 months | 6.99%* - 17.99%* | 6.99%* - 17.99%* |
| Up to 96 months | 7.49%* - 17.99%* | 7.49%* - 17.99%* |
| Up to 120 months | 7.99%* - 17.99%* | 7.99%* - 17.99%* |
| Personal Loans | |
| Product | Interest Rate APR |
| Signature/Personal | 7.49%* - 17.99%* |
| Revolving Line of Credit (Creditline) | 9.49%* - 17.99%* |
| Saving (Share) Secured | |
| Product | Interest Rate APR |
| Installment Loan | Share rate plus 5.00%* |
| Certificate of Deposit Secured | |
| Product | Interest Rate APR |
| Installment Loan | Certificate rate plus 5.00%* rounded up to the next 1/4% |
| Other collateral | 5.24%* to 16.24%* |
| Important Information |
| Disclosures |
| *All rates are inclusive of all discounts and are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice. Lowest rate includes all applicable discounts. |
| Credit Cards | |
| Card Type | Interest Rate APR |
| Platinum MasterCard | 8.49%* - 17.79%* |
| Visa Platinum | 8.49%* - 17.79%* |
| iQ Points Reward Card** | Variable Annual Percentage Rates from 11.99%* - 16.99%* |
| *All APRs (Annual Percentage Rate) are inclusive of all discounts and are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice. Lowest rate includes all applicable discounts. | |
| **Prime Rate: Variable APRs are based on the 5.25% Prime Rate as of 9/27/2018 and based on credit worthiness at the time of application. Unless an Introductory rate is in effect, the periodic rate used to compute the INTEREST CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. Any change in the Index will be effective on the first day of the billing cycle that ends on or after the date of the change. We add 6.74% up to 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. | |
| IQ Auto Loans | ||
| Term | New APR* | Used/Refinanced APR* |
| Up to 24 months | 2.74% - 4.74% | 2.74% - 4.74% |
| Up to 36 months | 2.99% - 4.99% | 2.99% - 4.99% |
| Up to 48 months | 3.24% - 5.24% | 3.24% - 5.24% |
| Up to 60 months | 3.49% - 5.49% | 3.49% - 5.49% |
TRUTH-IN-SAVINGS RATES FOR SHARE (SAVINGS), MONEY MARKET, CHECKING AND IRA SAVINGS ACCOUNTS
The rates and fees contained in this Schedule are accurate as of September 1, 2018. For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts, Money Market Accounts, Checking Accounts and IRA Savings Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *Fees could reduce the earnings on the account.**Rates may change after the account is opened.
TRUTH-IN-SAVINGS RATE SCHEDULE
Savings and Deposits Accounts
| Savings | |||||
| Account | Minimum to Open | Dividend Rate | Interest Rate | APY | Minimum to obtain disclosed APY |
| Share (Savings) | $5 | .25% | N/a | 0.25% | $100 |
| Money Market Account Rates | ||||
| Minimum to Open | Minimum Balance | Interest Rate | APY | Minimum to avoid service fee |
| $2,500 | $0-2,499.99 | .30% on entire balance | .30% | $2,500 |
| $2,500.00-9,999.99 | .30% on entire balance | .30% | ||
| $10,000-24,999.99 | .40% on entire balance | .40% | ||
| $25,000.00-49,999.99 | .50% on entire balance | .50% | ||
| $50,000+ | .60% on entire balance | .60% | ||
| $100,000+ | .85% on entire balance | .85% | ||
| Checking Accounts | ||||
| Account | Minimum to Open | Average Balance | Interest Rate | Monthly Service Fee |
| Smart Select | $100 | < $2,500.00 | 0.05% | $12 or waived when requirements are met. |
| > $2,500.00 | 0.10% | $12 or waived when requirements are met. | ||
| Superior Checking | <$1,000.00 | 0.05% | ||
| >=$1,000.00 | 0.10% | |||
| Smart Choice | $50 | 0.00% | $10 or waived when requirements are met. | |
| Individual Retirement Accounts (IRA) | ||||
| Account | Minimum to Open | Minimum Balance | Interest Rate | APY |
| IRA (Savings) | $100 or $50 w/ payroll deduction-Direct Deposit | $0-2,499.99 | .40% on entire balance | 0.40% |
| $2,500.00-9,999.99 | .40% on entire balance | 0.40% | ||
| $10,000.00-24,999.99 | .60% on entire balance | 0.60% | ||
| $25,000.00+ | .70% on entire balance | 0.70% | ||
| Individual Retirement Accounts/Certificates of Deposit | |||
| Term | Interest Rate APR* | APY | Minimum Opening Balance |
| 12-month IRA | 1.35% | 1.36% | $1,000 |
| 24-month IRA | 1.95% | 1.97% | |
| 36-month IRA | 2.10% | 2.12% | |
| 48-month IRA | 2.10% | 2.12% | |
TODAY'S RATES FOR HOME PURCHASE, HOME EQUITY, AND HOME IMPROVEMENT LOANS
Below are the rates for some of our mortgage loan programs, however, Smart Financial offers more than these options! We also offer standard conventional mortgage loans which include fixed rate loans, FHA, VA, USDA, Home Possible and Home Ready mortgage programs. For a mortgage loan to purchase or refinance your primary, secondary or even investment property, please give us a call to provide you with current market pricing. Because the rates can change frequently, we prefer to provide you with custom quotes based on your own unique mortgage needs, preferred mortgage loan program and amortization. We have an excellent mortgage origination team looking forward to serving you!
You can reach us at 713-407-1830 or mortgagelending@smartcu.org
Rates Are Subject To Change. Rates last updated on October 1, 2018.
Mortgage,Home Equity/Improvement Loans
| Mortgage Rates | |||
| Mortgage Term | Interest Rate | APR | Points |
| 5/1 ARM (Jumbo)* | 3.750% | 4.726% | 0.00% |
| 7/1 ARM (Jumbo)** | 3.875% | 4.627% | 0.00% |
| 10/1 ARM (Jumbo)*** | 3.990% | 4.489% | 0.00% |
| 30-yr Fixed (Jumbo) | 4.490% | 4.532% | 0.00% |
| 15-yr Fixed (Jumbo) | 3.990% | 4.060% | 0.00% |
| 20-yr HE FX 1st | 4.740% | 4.498% | 0.00% |
| 15-yr HE FX 1st (Other) | 4.240% | 4.273% | 0.00% |
| 10-yr HE FX 1st (Other) | 3.990% | 4.132% | 0.00% |
| 5-yr HE FX 1st (Other) | 3.490% | 3.664% | 0.00% |
| 15-yr HE FX 2nd (Other) | 5.240% | 5.338% | 0.00% |
| 10-yr HE FX 2nd (Other) | 4.990% | 5.044% | 0.00% |
| 5-yr HE FX 2nd (Other) | 4.490% | 4.740% | 0.00% |
| 5/1/15 PM2 ARM (Other)**** | 6.990% | 7.053% | 0.00% |
| 5/1/15 HI ARM (Other)***** | 3.990% | 5.429% | 0.00% |
| 15-yr HI FX (Other) | 6.240% | 6.517% | 0.00% |
| 10-yr HI FX (Other) | 5.990% | 6.376% | 0.00% |
| 5-yr HI FX (Other) | 5.490% | 6.203% | 0.00% |
| *Interest rate is fixed for the 1st 5 years, rate can change on the 61st month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 2% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate. | |||
| **Interest rate is fixed for the 1st 7 years, rate can change on the 85th month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate. | |||
| *** Interest rate is fixed for the 1st 10 years, rate can change on the 121st month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the natural start rate. | |||
| ****Purchase Money 2nd Lien Loans = Interest rate is fixed for the 1st 5 years, rate can change on the 61 month and every 12 months thereafter. The rate is based on the Prime index plus 2.50% margin. The rate cannot increase or decrease more than 2% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the natural start rate. | |||
| *****Home Improvement Loans = Interest rate is fixed for the 1st 5 years, rate can change on the 61 month and every 12 months thereafter. The rate is based on the Prime index plus 2% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 5% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate. | |||
| Rates are subject to change without notice. Rates last updated on 10/01/2018. | |||
TRUTH-IN-SAVINGS RATES FOR CERTIFICATES OF DEPOSIT.
The rates and fees contained in this Schedule are accurate as of September 1, 2018. For current information call the Smart Financial Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges which apply to your Certificates of Deposit at Smart Financial Credit Union and is incorporated as part of your Account Agreement with us. *A penalty for early withdrawal may be assessed.*
TRUTH-IN-SAVINGS RATE SCHEDULE
Certificates of Deposit
| Certificates of Deposit | |||
| Term | Interest Rate | APY | Minimum Opening Balance |
| 6-month Tier | 0.30% | 0.30% | $1,000 |
| 12-month Tier | 1.25% | 1.26% | |
| 24-month Tier | 1.85% | 1.87% | |
| 36-month Tier | 2.00% | 2.02% | |
| 48-month Tier | 2.00% | 2.02% | |
| 60-month Tier | 2.00% | 2.02% | |
| 6-month Tier Mini Jumbo | 0.35% | 0.35% | $25,000 |
| 12-month Tier Mini Jumbo | 1.30% | 1.31% | |
| 24-month Tier Mini Jumbo | 1.90% | 1.92% | |
| 36-month Tier Mini Jumbo | 2.05% | 2.07% | |
| 48-month Tier Mini Jumbo | 2.05% | 2.07% | |
| 60-month Tier Mini Jumbo | 2.05% | 2.07% | |
| 6-month Tier Jumbo | 0.45% | 0.45% | $90,000 |
| 12-month Tier Jumbo | 1.40% | 1.41% | |
| 24-month Tier Jumbo | 2.00% | 2.02% | |
| 36-month Tier Jumbo | 2.15% | 2.17% | |
| 48-month Tier Jumbo | 2.15% | 2.17% | |
| 60-month Tier Jumbo | 2.15% | 2.17% | |
| Rates and terms are subject to change without notice. | |||
Smart Financial Fee Schedule
The fees contained in this Schedule are accurate as of January 1, 2018. For current information call your Credit Union at (713) 850-1600 or (800) 392-5084.
This Fee Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on creditworthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on Secured loans may increase or decrease the rate. See a Smart Banker to apply or for additional information.
Fees are Subject to change - Contact Your Credit Union
Fee Schedule
| Loan Accounts Fee Schedule | |
| Account | Fee |
| Loan Accounts All Loan Accounts (Unless otherwise listed) |
Loan Late Charge - 5% of monthly installment if 10 or more days late (Minimum of $5.00, Maximum of $30.00) |
| Collection Agency Fees - all costs of collecting the amount you owe including court costs | |
| Collection Attorney Fees - all costs of collecting the amount you owe including court costs and reasonable attorney fees | |
| Returned Check Fee - $30 if a check is returned on a loan payment | |
| Application Fee After 3 Denials Within a 12 Month Period - $25 | |
| Statement Copied - $5 each | |
| Transaction History (up to 90 days) - $5 each | |
| Document Copied - $5 each | |
| Balance Inquiry - $5 each (free through SmartLine) | |
| Telephone Transfer - $5 each (free through SmartLine) | |
| Loan Payoff Letter - $5 | |
| Skip Payment and Extension Fee - $25 each | |
| Rewrite Fee - $25 ( Applies to Auto, Boat, Motorcycle, RV, Signature Loans only) | |
| Credit Line (Revolving Line of Credit) | Application Fee - $25 |
| Returned Check Fee - $25 if a check is returned on a credit card payment | |
| Annual Fee - $25 (*Secured Classic MasterCard only) | |
| Minimum Finance Charge...not applicable | |
| Currency Conversion Fee - 1% of transaction amount | |
| All Credit Cards- | |
| Smart Start Classic MasterCard and Secured Classic MasterCard* discontinued 05-01-13. |
Balance transfer (iQ Points Reward Card only) 3% Fee on Balance Transfer Amount |
| Currency Conversion Fee (iQ Points Reward Card only) - 3% Fee on all foreign denominated purchases. MasterCard/Visa fees may still apply. | |
| Transaction Fee for Purchases...not applicable | |
| Transaction Fee for Cash Advances...not applicable | |
| Transaction Fee for Cash Advances (iQ Points Reward Card only) 3% Fee for each transaction | |
| Late Payment Fee - 5% of minimum payment. Maximum $25 | |
| Card Replacement fee $10 (iQ Points Reward Card only) | |
| Checking and Savings Fee Schedule | |
| Account | Fee |
| Share (Savings) Accounts | Withdrawals - Two (2) Free Per Calendar Month, Thereafter - $2 each (Waived with deposits $3,000+) |
| Smart Share Savings | Withdrawals - Two (2) Free Per Calendar Month, Thereafter - $2 each (Waived with deposits $3,000+) |
| Money Market Accounts | Minimum Balance Fee...$10 per month when balance falls below $2,500 |
| Excessive Transfer Fee (after 6 transactions per month) - $10 per item | |
| Insufficient Check (NSF) - $30 per item | |
| Checking Accounts | Insufficient Check (NSF) - $30 per item (paid or unpaid) |
| Insufficient Debit MasterCard Transaction - $30 each (Charges over $10) | |
| Temporary Checks (8) - $8 (No Charge For Starter Checks) | |
| Stop Payment Order Per Series of 25 Checks - $30 | |
| Check Printing Fees May Vary | |
| Overdraft Protection Draw Fee (transfers over $10 per day only) - $2 | |
| * Not applicable to Smart Scholars and No-Check Checking | |
| Smart Select Checking | Monthly Service Charge - $12 |
| Waived if Direct Deposit > $1,000 per month. | |
| Waived if age < 25 | |
| Smart Choice Checking | Monthly Service Charge - $10 |
| Waived if Direct Deposit > $500 per month. | |
| Waived if age < 25 | |
| Freedom Checking (No longer offered) | Monthly Service Charge - None with direct deposit. $12 per month fee with no direct deposit. |
| Primary Checking (No longer offered) | Minimum Balance to avoid Monthly Service Charge - $400 |
| Monthly Service Charge - $4 per month | |
| Superior Checking (Interest-Bearing)(No longer offered) | Minimum Average Daily Balance to Avoid Monthly Service Charge - $1,000 or 55+ years of age |
| Monthly Service Charge - $10 | |
| Account Transition Fee - $25 | |
| No Check Checking | Monthly Service Charge - $5 |
| Smart Scholars Checking | No Monthly Service Charge |
| Individual Retirement Account (IRA) | Closing / Transfer Out Fee - $10 |
| Debit MasterCard Services | Transactions With a Smart Financial Credit Union Card @ SFCU owned ATM's - No Charge |
| Transactions with a Smart Financial Credit Union debit card @ other non-Credit Union Friendly Network ATM locations $2.00 each | |
| Replacement Debit MasterCard/ ATM card - $5 each | |
| Surcharge (terminal fee) free ATM's - Credit Union Friendly Network locations | |
| Currency Conversion Fee (Debit MasterCard Transactions) - 1% of transaction amount | |
| Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) | Key Deposit - $25 |
| Box Size 3" x 5" - $25 annually | |
| Box Size 3" x 10" - $40 annually | |
| Box Size 5" x 10" - $60 annually | |
| Box Size 10" x 10" - $95 annually | |
| Other Service Fees (applicable to all accounts) | Account Inquiry/Transactions by phone - $5 each |
| Cashier's Checks - $5 | |
| Cashier's Checks (On Us Check Conversion) - $5 | |
| Closed Membership / Account (within the first 6 months) - $25 | |
| Coin Sorter Fee (except 16 and under) - 5% of amount sorted | |
| Collection Items - Domestic items $20 each | |
| Document Copied - $5 each | |
| Foreign Collection Items - $30 each | |
| Inactive account fee - $10 per month (excluding minor, custodial, and CAP) | |
| Incorrect Address Fee - $10 | |
| Insufficient ACH Debit - $30 each | |
| Insufficient Debit MasterCard Transaction - $30 each | |
| Lost Title Fee - $25 | |
| Money Orders - $2 each | |
| Notary Services (Non Member) - $6 | |
| Overnight Delivery - $25 | |
| Paid Check Copied - $5 | |
| Returned Deposit Item - $30 per item | |
| Statement Copied - $5 | |
| Stop Payment Order ACH - $30 each | |
| Stop Payment Order Check (Branch or Phone) - $30 each | |
| Stop Payment Order check (Online) - $30 each | |
| Tax Levies and Garnishments - $50 | |
| Transaction History (up to 90 days) - $5 each | |
| Verification of Deposit (written - other than SFCU mortgages) - $15 | |
| Wire Transfers - International - $40 each | |
| Wire Transfers - Outgoing Domestic - $20 each | |
| *Restricted to qualified veterans at the VA branch only. | |
| Business Account Fee Schedule | |
| Account | Fee |
| All Business Checking Accounts | Insufficient Check (NSF) - $30 per item (paid or unpaid) |
| Temporary Checks (8) - $8 (No Charge for Starter Checks) | |
| Stop Payment Order per Series of 25 Checks - $30 | |
| Check Printing Fees May Vary | |
| Overdraft Protection Draw Fee (transfers over $10 per day only) - $2 | |
| Smart Business Checking | Minimum Balance to avoid Monthly Service Charge - $2,500 |
| Monthly Service Charge - $10 per month | |
| Maximum # of Transactions per month – 150 | |
| Excessive Transactions Fee: $0.25 each | |
| Smart Advantage Business Checking (Interest-Bearing) | Minimum Average Daily Balance to Avoid Monthly Service Charge - $5,000 |
| Monthly Service Charge - $15 | |
| Maximum # of Transactions per month – 250 | |
| Excessive Transactions Fee - $0.25 each | |
| Sweep Processing Monthly Fee (to Business Money Market Account) - $15 | |
| Business Money Market Accounts | Minimum Balance Fee - $10 per month - with balance below $5,000 |
| Transfer Limitations Violation - $30 per item | |
| Check Cashing Fee | Members with less than $1,000 in aggregate deposit and/or loan balances will be assessed a $3 check–cashing fee. Members with less than $1,000 in aggregate deposit and / or loan balances will be excluded from the $3 check – cashing fee if the member is le |
| Debit MasterCard/ATM Card Services | Transactions With a Smart Financial Credit Union Card @ SFCU-owned ATM’s - No Charge |
| Transactions With a Smart Financial Credit Union Card @ other ATM locations - $2 each | |
| Replacement Debit MasterCard/ ATM card - $5 each | |
| Surcharge (terminal fee) free ATM’s – Credit Union Friendly Network locations | |
| Safe Deposit Box Service (available at our Newcastle, Conroe & Sugar Land offices only) | Key Deposit - $25 |
| Box Size 3" x 5" - $25 annually | |
| Box Size 3" x 10" - $40 annually | |
| Box Size 5" x 10" - $60 annually | |
| Box Size 10" x 10" - $95 annually | |
| Other Service Fees (applicable to all accounts) | Account Inquiry/Transactions by phone - $5 each |
| Cashier's Checks payable to Third Party - $5 | |
| Cashier's Checks (On Us Check Conversion) - $5 | |
| Cashier Check Replacement Fee - $30 | |
| Closed Membership / Account (within the first 6 months) - $25 | |
| Coin Roll Order - $0.10 per roll | |
| Coin Sorter Fee (except 16 and under) - 5% of amount sorted | |
| Collection Items - Domestic items $20 each | |
| Currency Strap Order - $0.40 per strap | |
| Deposit Zipper Bags - $5 each | |
| Document Copied - $5 each | |
| Foreign Collection Items - $30 each | |
| Inactive account fee - $10 per month | |
| Incorrect Address Fee - $10 | |
| Insufficient ACH Debit - $30 each | |
| Insufficient Debit MasterCard Transaction - $30 each | |
| Lost Title Fee - $25 | |
| Money Orders - $2 each | |
| Night Deposit Bags (disposable) - 50 @ $25 | |
| Non-Member Check Cashing - $5 | |
| Notary Services (Non Member) - $6 | |
| Overdraft Protection Transfer Fee - $2 | |
| Overnight Delivery - $25 | |
| Paid Check Copied - $5 | |
| Research and Reconciliation (1 hour min. - $2 / page) – $25 | |
| Return Deposit Item from Member Account on Another Institution - $30 | |
| Returned Deposit Item - $30 per item | |
| Statement Copy - $5 | |
| Stop Payment Order ACH - $30 each | |
| Stop Payment Order Check (Branch or Phone) - $30 each | |
| Stop Payment Order check (Online) - $30 each | |
| Tax Levies and Garnishments - $50 | |
| Transaction History (up to 90 days) - $5 each | |
| Verification of Deposit (written - other than SFCU mortgages) - $15 | |
| Wire Transfers - International - $40 each | |
| Wire Transfers - Outgoing Domestic - $20 each | |