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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.

 

Share & IRA Rates

Rates Effective: June 1, 2017

ACCOUNTS

Regular Share

.05%

.05%

$5.00

$5.00

-

Monthly

Money Plus Share
$0 - $4,999.99
$5,0000.00+

.05%
.30%

.05%
.30%

$5,000.00

$0 - $4,999.99
$5,000.00+

$5,000.00

Monthly

Holiday Share

2.00%

$2.00

$5.00

$5.00

-

Annually

IRA Share

.15%

.15%

$5.00

$5.00

-

Monthly



ACCOUNT MAINTENANCE FEES

Money Plus Savings Maintenance Fee - if Minimum Balance is not maintained

$5.00

OTHER ACCOUNT FEES

Courtesy Pay Fee

$28 for each item

Non-sufficient Funds (NSF) $28 for each item
Excessive Transaction Fee $10 per transaction after a limit of six(6) free Reg D withdraws / transfers from shares

ACH Origination NSF

$25 for each item

One Time ACH Origination

$25 per occurrence

Returned Deposit items $25 per occurrence
Rapid Pay Fee $10 each request

Stop payments

$20 to place a stop payment
$5 additional for each item that attempts to clear the account

Copies of statements, History print out

$1 each occurrence, no fee if a credit union error is involved

Cashier check

$3 per check.  No fee if check is payable to member.
$1 fee for photocopy of corporate check.
 $20 fee for stop payment request.

Inactive Account Fee $10 per month after 1 year of inactivity
Legal Action $50 per occurrence

Money orders

$2 each

Loose Coin Counting 5% of total Dollar amount of coins counted

Research and reconcilement

$25 per hour

Foreign Check Exchange

Cost of collection passed on to member.

Fax Fee $1 per page
Nonmember Notary Fee $5

Collections - domestic or foreign

$15 each

Wire Transfers / Western Union

$20 each domestic outgoing wire, $15 re-occurring,
$35 each foreign outgoing wire
$15 Western Union

IRA Plan

$20 annual maintenance fee

Processing levies, garnishments

$50 per occurrence.



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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