ACH Return Item $25.00
ACH Stop Payment Fee $25/item/mo
Balance Inquiry Fee $2.00
Check Copy $5.00
Consumer Loan Late Fee $20.00
Consumer & Auto Loan Application Fee $20.00
Copy of paid draft $2.00
Credit Report $15.00
Credit and Financial Counseling $50.00
Debit Card Replacement Fee $10.00
Deposit Return Item $15.00
Dormant Account / Share (24 mos. Inactive) $2.00/mo
Dormant Account / Checking (60 Days Inactive) $3.00/mo
Early Closing Fee $10.00
Execessive Withdrawal Fee (After 3rd month) $5.00/per check
Faxes $1.00 per page
Garnishments / Levy / Citations $50.00
Home Buyer Education Program Enrollment Fee $125.00
IRA Annual Maitenance 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 (Balance <$50) $5.00/mo
Service Charge /Business Checking (Balance <$1K) $10.00/mo
Service Charge / Savings (Balance <$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 month) $5.00
Share Secured Loan Application Fee $10.00
Share Draft / ACH Stop Payment $25.00/item
Skip Payment Fee $25.00
Small Business Checking Service Fee (below $1,000) $10.00
Small Business Loan Application Fee $25.00
Statement Copy $1.00/page
Stop Payment / Share Draft or ACH $25.00
Telephone Transfer $2.00
Teller Check Stop Payment $35.00
Verification of Deposit $5.00
Western Union $20.00
Wire Transfer Incoming $15.00
Wire Tansfer 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 has been no activity / deposit or withdrawal) for 60 days.

Effective 4/1/16

Fees subject to change without notice

Our mission is to equalize economic power and fight poverty

through holistic financial education and

by providing access to credit and savings services for our members.

People Helping People

"People helping people"


Board of Directors

 Evelina Robertson    Board Chairman
 Michael Mitchell      Vice Chairman
 Betty J. Richardson    Treasurer
 Gail Mercherson    Secretary
Gregg Brown    
Lisa Gavin     
Dwayne McLin    



Gregg Brown    President / CEO

Regina McRay    VP of Operations & Member Services

Delores Allen    Credit / Housing Officer

Harlette Washington    Credit / Housing Counselor


Who we are

South Side Community Federal Credit Union (SSCFCU) is a not-for-profit, Federally chartered, low-income designated, community development credit union CDCU). All of our accounts are insured up to $250,000.00 by the National Credit Union Administration (NCUA)

We are certified as a Community Development Financial Institution (CDFI) by the U.S. Department of Treasury and we operate a HUD Approved housing counseling program. SSCFCU serves a membership base of 2,000 with $3.5 million in assets after opening its doors in November, 2003.

We created the credit unio9n to economically empower the community by providing an alternative to currency exchanges, payday/predatory lenders and banks that charge high fees. When you join the credit union, you become am ember owner, not just a customer. Your account is an investment in the community.



South Side Community Federal Credit Union, your member owned financial institution, is committed to providing you financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting your privacy. You can be confident that your financial privacy is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information. If you have any questions, please contact a Member Service Representative at (773) 548-5500.

Information We Collect and Disclose About You We collect nonpublic personal information about you from the following sources:

• Information provided by you;

• Information about your transactions with us or others;

• Information we receive from a consumer reporting agency;

• Information obtained when verifying the information you provide on an application or other forms.

This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions. We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records. If you terminate your membership with South Side Community Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How we Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

What Can You Do To Help Protect Your Privacy
Always use caution when disclosing your account numbers, social security number, etc. Should someone call you stating they are representing the credit union and ask for your account number, be very cautious. Credit Union employees already have access to such information. Protect your account numbers, PINS and passwords and keep your information with us current. In the event of potential fraudulent activity, we need to be able to contact you immediately.


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