Shambhala Credit Union

Better than a Bank

Service Fees

Type of FeeUseCost
New Member Share
Savings Account
Opening Fee
$20
$10
Notary Publicfor MembersFree
Electronic Deposit Delivery (ACH)per member request TO account elsewhere$15
Electronic One-time Draft (ACH)per member request FROM account elsewhere$15
Foreign-bank Check ProcessingPer Item$20
Returned Item ProcessingElectronic
Paper
$25
$50
Wire Transfers & FedExIncoming
Outgoing
Free
$65
Stop PaymentSCU check or wire transfer$50
Hold-order RequestElectronic transfers$25 per month
Overactive Account Fees (Max 6 w/d per month)Share deposits$25 each
IRA Minimum Term24 months$35
IRA Annual Maintenance Feeeach May or at opening$35
IRA Early-withdrawal Fee400 days of interest on w/d amountAt most recent rate
IRA Federal Penalty - for early distribution10% of w/d made prior to age 59 ½With some exceptions
Loan Application Fees, per ApplicantConsumer or Auto
Real Estate
Mobile Home
$25
$50
$50
Loan Extension Agreement FeeAll loans$50
Loan Processing FeesConsumer
Real Estate
Mobile Home
Free
$200
$100
Loan Recording FeesConsumer
Vehicle, in Colorado
Vehicle, out-of-Colorado
Real Estate, at opening
Real Estate, at closing
Mobile Home
$50
$50
$75
$150
$30
$100
LOC Annual Fee> 1st year$50 per year
LOC Overactive Fee> 3 draws / month$25 per draw
Loan Payoff-Statement FeeReal Estate or Mobile Home$30 each
Loan Co-signer PaymentAll loans, as needed$30 each
Loan Collateral Insurance CancelledAll loans, as needed$25 per month
Address Unknown - mail returnedafter 6 months$25 per month
Inactive Member Account Feeafter 36 months$25 per year
Insufficient Account FeeMember Share under $20Up to $20 to close
Levy / Garnishmentsper debit or Notice$100 each
Off-cycle statement copy requestsper page$5
Transaction research
(> 60 days after statement rendered)
1 hour minimum$25 per hour

In This Section

  • Rates / Fees
    • Deposit Rates
    • Service Fees
    • Loan Rates (Updated 4/7/2020)

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Latest News

Merger Update

Dear Members, We appreciate your patience through the process of moving your accounts to the new systems. The combining of systems will continue through July 2022. Please contact Cynthia Castro … [ Read More ... ]

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