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  • Fee Schedule
    2 00 mo Dormant Account Checking 60 Days Inactive 3 00 mo Early Closure Fee 10 00 Excessive Withdrawal Fee After 3rd mo 5 00 per check Faxes 1 00 per page Garnishments Levy Citations 50 00 Home Buyer education Program enrollment fee 125 00 IRA annual maintenance fee 15 00 IRA Transfer Institution 25 00 Joint Loan Application fee 30 00 Manually paid draft or ACH item 5 00 Membership Fee 10 00 Second Chance Checking account counseling 50 00 Service Charge Personal Checking Bal 50 5 00 mo Service Charge Business Checking Bal 1K 10 00 mo Service Charge Savings Bal 50 5 00 mo Money Order 1 00 check Official Check to a third party 5 00 Overdraft NSF 25 00 Photocopies 0 25 page Returned mail fee 5 00 Research fee 25 00 hr Share draft transfer sweep max 4 per mo 5 00 Share Secured Loan Application fee 10 00 Share Draft ACH Stop payment 25 00 item Skip Payment fee 25 00 Sm Bus checking service fee below 1 000 10 00 Sm Bus Loan Application fee 25 00 Statement Copy 1 00 per page Stop payment share draft or 25 00 Telephone transfer 2 00 Teller Check Stop Payment 35 00 Verification of Deposits 5 00 Western Union 20 00 Wire Transfer Incoming 15 00 Wire Transfer Outgoing 20 00 An account is considered dormant if for 2 years no withdrawals or deposits other than credited dividends have been made to the account we have received no communication from you about any of your accounts and your account statements have been returned for an incorrect address A checking account is considered dormant if there have been no activity deposit of withdrawal for 60 days Effective 4 1 2016 Fees subject to change without

    Original URL path: http://www.southsidecommunityfcu.org/index.php/products-programs/fee-schedule (2016-05-01)
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  • Frequently Asked Questions
    Hampshire There the St Mary s Cooperative Credit Association a church affiliated credit union opened its doors in 1909 Today one in every three Americans is a credit union member What is the purpose of a credit union The primary purpose in furthering their goal of service is to encourage members to save money Another purpose is to offer loans to members In fact credit unions have traditionally made loans to people of ordinary means Credit unions can charge lower rates for loans as well as pay higher dividends on savings because they are nonprofit cooperatives Rather than paying profits to stockholders credit unions return earnings to members in the form of dividends or improved services Are savings deposits insured Yes All savings accounts are insured up to 250 000 by the NCUA the National Credit Union Administration an agency of the federal government Who can join a credit union A credit union exists to serve a specific group of people such as a group of employees or the members of a professional or religious group This is called a field of membership The field of membership may include where they live where they work or their membership in a social or economic group What is your field of membership who can join SSCFCU Membership in South Side Community FCU is open to individuals or businesses on Chicago s south side from 22nd Street on the North to the city limits on the South and from the Lake on the East to Western Avenue on the West You can live work worship attend school or belong to an organization that is within this boundary area What is the minimum opening deposit to join Minimum opening balance to open a savings account is 50 00 and dividends are paid quarterly on account balances of 100 00 There is a one time membership fee of 10 00 upon opening your savings account When can I apply for a loan Once you become a member you are eligible to apply for a loan To apply for a short term Payroll Advance Loan Plus PAL PLUS and the regular Payroll Advance Loan PAL you will have to be a member for 30 days and to apply for a Signature Loan after you have been a member for 3 days Once you apply for the loan all loans are reviewed by the Credit Committee for approval Is there a monthly service fee on savings accounts There s no service fee if you have total balances in all your SSCFCU accounts of 50 00 or more and you get three free withdrawals per calendar month Are checking accounts available at SSCFCU Checking Accounts is for you Unlimited check writing no minimum balance required no monthly service charge and a low opening balance of 50 00 and 100 00 in your savings account and no record on ChexSystems What online services are offered to members Here are a few of the things you can do with Home

    Original URL path: http://www.southsidecommunityfcu.org/index.php/products-programs/frequently-asked-questions (2016-05-01)
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  • Home Online Banking
    be able to check account balances view account histories transfer funds from within your main account and even request a withdrawal check to be sent to you by mail SSCEDC Learn more about our partnership with the South Side Community Economic Development Center Download our Brochure Come in and fill out an application we would like to meet you Applications are also available on line click here to download the

    Original URL path: http://www.southsidecommunityfcu.org/index.php/home-online-banking (2016-05-01)
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  • Counseling Services
    to take before you decide to purchase your first home It teaches you the basic homeownership terms steps and strategies so you are prepared to have a positive home buying experience Receive eight hours of classroom and 2 hours of one on one counseling Our Home Buyer Education Program covers all aspects of the home buying process from A to Z such as selecting financing and closing on your first home Participants become more knowledgeable and confident with making important personal and financial decisions about homeownership Each participant will receive a certified Home Buyer s Certificate upon completion of the program This certificate can provide borrowing incentives from your lender such as down payment and closing cost assistance Note A one on one counseling session is required to receive a Home Buyer s Certificate The One on One Counseling Session must be held no later than Friday April 29 2016 REGISTRATION MARCH 25 2016 APRIL 9 2016 COST 125 00 To enroll download and return the enrollment form with a check or money order made payable to South Side Community Federal Credit Union in person or by mail Click to download the form APRIL Classes at the South Side Community Federal Credit Union CREDIT BASICS AND RESTORATION Saturday April 23 2016 10 30 AM to 11 45 PM PREPARING FOR HOMEOWNERSHIP Saturday April 23 2016 12 00 PM to 1 45 PM BASIC MONEY MANAGEMENT BUDGETING Saturday April 30 2016 10 30 AM to 11 45 PM FORECLOSURE PREVENTION WORKSHOP Saturday April 30 2016 12 00 PM to 1 45 PM MAY BASIC MONEY MANAGEMENT BUDGETING Saturday May 7 2016 10 30 AM to 11 45 AM Download the complete schedule here Call 773 548 8859 for more information and registration Our Service Area Our geographic service area includes all

    Original URL path: http://www.southsidecommunityfcu.org/index.php/counseling-services (2016-05-01)
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  • Financial Classes
    credit record to resolve and improve your credit score Recommendation of products and services that can help you save money and build credit Cost 50 00 Call 773 548 8859 for more details and to schedule an appointment HOME BUYER EDUCATION PROGRAM Home buyer education is an important class you need to take before you decide to purchase your first home It teaches you the basic homeownership terms steps and strategies so you are prepared to have a positive home buying experience Receive eight hours of classroom and 2 hours of one on one counseling Our Home Buyer Education Program covers all aspects of the home buying process from A to Z such as selecting financing and closing on your first home Participants become more knowledgeable and confident with making important personal and financial decisions about homeownership Each participant will receive a certified Home Buyer s Certificate upon completion of the program This certificate can provide borrowing incentives from your lender such as down payment and closing cost assistance Note A one on one counseling session is required to receive a Home Buyer s Certificate The One on One Counseling Session must be held no later than Friday April 29 2016 REGISTRATION MARCH 25 2016 APRIL 9 2016 COST 125 00 To enroll download and return the enrollment form with a check or money order made payable to South Side Community Federal Credit Union in person or by mail Click to download the form APRIL Classes at the South Side Community Federal Credit Union CREDIT BASICS AND RESTORATION Saturday April 23 2016 10 30 AM to 11 45 PM PREPARING FOR HOMEOWNERSHIP Saturday April 23 2016 12 00 PM to 1 45 PM BASIC MONEY MANAGEMENT BUDGETING Saturday April 30 2016 10 30 AM to 11 45 PM FORECLOSURE PREVENTION

    Original URL path: http://www.southsidecommunityfcu.org/index.php/counseling-services/financial-classes (2016-05-01)
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  • Home Counseling Services
    of the program Cost 125 00 ONLINE HOME BUYER EDUCATION While taking a homebuyer education course in a classroom setting is ideal for some it is not feasible due to the availability of courses their work schedule or many other reasons Online home buyer education is a great option You go at your own pace and complete the course when it fits nicely into your busy schedule from the comfort of your own home South Side Community Federal Credit Union has partnered with eHome America to help future homebuyers access a high quality homebuyer education course online A Home Buyer s Certificate is issued upon completion of the course and a one on one counseling session Cost 99 00 FINANCIAL COUNSELING SERVICE The primary goal of South Side Community Federal Credit Union is to help individuals achieve financial stability and well being We recognize that from time to time everyone runs into some financial difficulties South Side Community Federal Credit Union is here to help you develop a plan for future financial success with our Financial Counseling Service Services include Examination of your household income and expenses Establishment of a workable realistic budget Savings Plan Review of your credit record to resolve and improve your credit score Recommendation of products and services that can help you save money and build credit Cost 50 00 Call 773 548 8859 for more details and to schedule an appointment South Side Community Federal Credit Union is a HUD Approved Housing Counseling Agency Mortgages Apply for your mortgage on line using SSCFCU s secure on line mortgage application tool Fast and user friendly get an on line decision within minutes Sign up to receive Rate Alerts Personal Rate Alerts Mortgage Quotes and get a free pre qualification For more information contact Delores Allen Credit

    Original URL path: http://www.southsidecommunityfcu.org/index.php/counseling-services/home-counseling-services (2016-05-01)
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  • Second Chance Checking Account
    credit and open a new free checking account 5 Simple Steps to a Fresh New Checking Account Start 1 First open a savings share account for a minimum of 130 00 and fill out a second chance checking account program application This will cover the 10 00 one time only membership fee a 20 00 non refundable loan application fee and a 50 00 one on one checking account management counseling fee A share savings account balance of 50 00 will be maintained for the duration of the program SSCFCU will then reference ChexSytems to ascertain your record You are eligible to participate in the Second Chance Checking Account program as long as you have not been reported for suspected fraudulent activity 2 SSCFCU will pay off up to 3 ChexSystems records for an aggregate total not to exceed 1 000 00 by issuing you a short term low interest rate loan 3 If the loan is approved then you will be advised to schedule a one on one checking account management counseling session with one of our certified financial counselors If denied then you will not have to pay the counseling fee 4 Once you have completed your counseling session then you will be given the loan disbursement check s that will be made payable to the bank s on your ChexSystems record in the amounts required to clear them up 5 After your record has either been removed from ChexSystems or the bank s provide you with a letter stating that you have paid off your debt with them in full you will then be eligible to open a new checking account at SSCFCU SSCEDC Learn more about our partnership with the South Side Community Economic Development Center Download our Brochure Come in and fill out an application

    Original URL path: http://www.southsidecommunityfcu.org/index.php/counseling-services/second-chance-checking-account (2016-05-01)
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  • Gallery
    Holiday Account Club Accounts Youth Accounts Money orders Direct Deposit Payroll Deduction Wire transfers Western Union Loans Auto Loans Computer Loans Credit Builder Loans Debt Consolidation Loans Micro Business Loans Personal Loans Payday Alternative Loans Title Alternative Loans Our Service Area Our geographic service area includes all areas lying within the following boundaries from 22nd Street on the North to the city limits on the South and from Lake Michigan on the East to Western Avenue on the West If you live work worship go to school or participate in any association headquartered within these boundaries you are eligible to become a full member of the credit union If you do not have one of these connections to the area you can utilize all deposit services of the credit union but federal regulations prohibit us from making you a loan SSCEDC Learn more about our partnership with the South Side Community Economic Development Center Download our Brochure Come in and fill out an application we would like to meet you Applications are also available on line click here to download the application Adobe Acrobat Reader required Come Join Us Joining the South Side Community Federal Credit Union is easy South

    Original URL path: http://www.southsidecommunityfcu.org/index.php/gallery (2016-05-01)
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