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Except as specifically described, the following disclosures apply to all of the accounts.   All accounts described in this Truth-In-Savings Disclosure are share accounts.

 

Certificate Accounts

Rates Effective: March 1, 2017

ACCOUNTS HB=High Balance(in Certificate)
L=Loan(Excludes VISA)

3 Month Certificate
.200%
.20%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

6 Month Certificate
.200%
.20%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

6 Month Verterans Family Fund
.995%
1.00%
$100
Not Allowed

Allowed - See Transaction Limitations

Maturity

1 Year Mini Jumbo Certificate
.499%
.50%
$50,000
Not Allowed

Allowed - See Transaction Limitations

Monthly

1 Year Jumbo Certificate
.598%
.60%
$100,000
Not Allowed

Allowed - See Transaction Limitations

Monthly

1 Year Certificate
.200%
.20%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

1 Year Certificate - HB or L
.300%
.30%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

1 Year Certificate Add-on
.200%
.20%
$100 or a loan at ALCU
Allowed

Allowed - See Transaction Limitations

Monthly

2 Year Certificate
.399%
.40%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

2 Year Certificate HB or L
.499%
.50%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

3 Year Certificate
.598%
.60%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

3 Year Certificate - HB or L
.698%
.70%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

5 Year Certificate
1.094%
1.10%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

5 Year Certificate - HB or L
1.193%
1.20%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

18 Month IRA Certificate
.698%
.70%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

18 Month IRA Certificate - HB or L
.797%
.80%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

30 Month IRA Certificate
.896%
.90%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

30 Month IRA Certificate - HB or L
.995%
1.00%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly

5 Year IRA Certificate - HB or L
1.490%
1.50%
$500
Not Allowed

Allowed - See Transaction Limitations

Monthly

5 Year IRA Certificate - HB or L
1.588%
1.60%
$10,000 or a loan at ALCU
Not Allowed

Allowed - See Transaction Limitations

Monthly



TRUTH IN SAVINGS DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts above.

  1. Rate Information.

    The Dividend Rates and Annual Percentage Yields on all accounts are set forth above and may change monthly (or annually for Holiday Shares) as determined by the Board of Directors. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Money Plus Shares and Money Plus Checking accounts are tiered rate accounts. The Dividend Rates and Annual Percentage Yields applicable depend on the balance ranges set forth above. Once your balance in one of these accounts has met a particular range, the highest Dividend Rate and Annual Percentage Yield will apply to the entire balance in your Money Market Account. 2. Nature of Dividends. Dividends are

  2. Nature of Dividends.

    Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rates and Annual Percentage Yield set forth above are accurate as of the Effective Date, which the Credit Union anticipates paying for the applicable dividend period.

  3. Compounding and Crediting.

    For all accounts, except Holiday shares and Budget Checking dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month. For Holiday Share accounts, dividends are compounded and credited annually and the dividend period is annual.

  4. Accrual of Dividends.

    Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

  5. Balance Information.
    • The minimum balance required to open each account is set forth above.
    • For Regular Shares, Money Plus Shares, Holiday Shares,, IRA Shares, Regular Checking and Money Plus Checking accounts, the minimum balance required to obtain the stated Annual Percentage Yield is set forth above. If the minimum balance is not met, you will not earn the stated Annual Percentage Yield.
    • For Money Plus Savings and Money Plus Checking accounts, there is minimum balance required to avoid a maintenance fee as set forth above. If the minimum balance is not met, your account will be subject to the maintenance fee.
    • For all dividend bearing, dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

  6. Account Limitations.
    • For Regular Shares, Money Plus Shares, Holiday Shares,, IRA Shares, Regular Checking and Money Plus Checking accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, telephone transfers may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee or be closed.
    • For Holiday Share accounts, the entire balance will be transferred to another account of yours on or after November 1st and your account will remain open. If you withdraw from your account at any other time during the club period November 1st through October 31st, you will be charged a fee as disclosed in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. Upon a second withdrawal from your account during the club period, the account will be closed. The maximum balance you may maintain in your Holiday Share account is $5,000.00.



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