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Lincoln’s Finest Online Services

At Spirit of America Federal Credit Union, we're happy to provide quality financial services for our members. Our affiliate partners also offer comprehensive services that range from life insurance to expanded ATM access for our members. Below you'll find links to their sites as well as a fee schedule of our account services. Feel free to contact us if you have any questions.

eBranch Login

 eBranch is our online account program, which offers you 24/7 access for doing your banking with the credit union.
ebranch logo

Credit Card Information

To view your credit card information click the link below.
Click Here

Order Checks

Click the link below to view the styles available. We’ll need to know the new style you’d like along with the information you’d like printed on the checks including the starting number.
Click Here

Get a Copy of Your Credit Report

Once every twelve months consumers are urged to get a copy of their credit report to verify their information is correct. Click the link below to retrieve your credit report today.
Click Here

CO-OP ATM Locations

Find one of 25,000 surcharge-free ATMs. Click the link above to find the closest ATM to your location.
Money Pass ATM Locations

Co-op Shared Branch Locations

Shared branching is a cooperative network of credit unions that have joined together and created shared service centers across the cou ntry. You will be able to make deposits, withdrawals, loan payments, transfers, purchase money orders, purchase official checks (if available) and make balance inquires. Click the link below to find the location nearest you.
Click Here

Credit Unions for Kids

The Credit Union helps to raise funds for Children’s Miracle Network which supports our local Chil dren’s Hospital located in Omaha, Nebraska. Click on the logo to find out more information about this organization.
Credit Unions for Kids

National Guard Association

Click on the link below to visit the National Guard Association website.
National Guard Association

CU Succeed

Teens click on the link below and visit the CU Succeed website. This site provides valuable information about getting that first job, buying a car, savings information and much more!
CU Succeed

NCUA YouTube Channel

Click on the NCUA link below to visit NCUA’s YouTube page for current NC UA news and events.
NCUA

Non-Deposit Investment Products:

 Are not federally-insured.
 Are not obligations of the credit union.
 Are not guaranteed by the credit union.
 Involve investment risk

Our fee schedule

Share Draft Account Fees
Non-Sufficient Funds $30.00 per presentment
Stop Payment $30.00 per item
Honored Draft $30.00 per item
Share Draft Printing Prices vary depending upon style
Copy of Paid Draft $2.00 per draft, when photocopy of paid
draft requested
Continuous Negative Balance $3.00 per day
Closing of an Unsatisfactory Account $35.00
Other Service Fees (applicable to all accounts)
Account Research $30.00 per hour
Statement Copy $3.00 each
Deposited Item Return $30.00 per item
Non-Sufficient ACH Item $30.00 per presentment
Outgoing Wire Transfers $20.00 per transfer
Incoming Wire Transfers $10.00 per transfer
Money Order $2.00 per item
Cashier and Teller Check $5.00 per item
Late Fee on Loan Payments After 10 Days $25.00 per payment
Skip Payment – Limited to one every 12 months
Not all loans eligible. Interest will continue
to accrue through the deferred payment period.
Certain restrictions apply,
contact Credit Union for details.
$25.00 per loan
Account Closed within 90 days of Opening
(Share or Share Draft)
$30.00 each account
Account Reopened within 90 days of Closing
(Share or Share Draft)
$30.00 each account
Account Number Changed $20.00 each account
IRA Account Closure Prior to Age 59 1/2 $30.00
Garnishment, Tax Levy, Etc. $30.00 each
Legal Processing Fee $30.00 minimum
Address Correction Notice
(Notice Received from Post Office)
$2.00 each
Undeliverable Statement Return $5.00 each month
Travel Money Card or Reloadable Debit Card $7.00 each
Visa Gift Card $3.00 each
Counting Coin No fee if deposited to account
- (Large quantities will be assessed a fee of 10% of the total)
Debit Card Fees
ATM Withdrawals/Inquiries/Transfers/Deposits
(Non-proprietary)
$2.00 each transaction
Replacement Card $10.00 each card
ATM Balance Inquiry $2.00 each transaction
Share Value
Par Value of One Share $5.00 par value
The rates and fees appearing with this Schedule are accurate and effective for accounts as of
July 1, 2024. If you have any questions or require current rate and fee information on your
accounts, please call the credit union.

 

 Feel free to contact us if you have any questions! (402) 467-1102

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