List of Fees

^* $5.00 Minimum daily balance to earn dividends.

Truth-in-Savings Disclosures

1. Rate Information. The Dividend rate and Annual Percentage Yield (APY) on your accounts are set forth on the reverse. For Regular Share, Regular IRAs, Gold Checking, Rewards Checking, Holiday, Youth Savings and Kids Club accounts, the dividend rate and APY may change monthly as determined by the Credit Union's Asset Liability & Equity Committee (ALEC). For Money Market accounts, the dividend rate and APY may change weekly as determined by ALEC. Money Market accounts and Rewards Checking accounts are tiered rate accounts for which you will receive the dividend rate and APY for each balance tier once the tiered balance amount has been met. For Share Certificate and IRA Certificate accounts, the dividend rate and APY are fixed and will be in effect for the term of the account. For Bump Rate Share Certificates and Bump Rate IRA Certificates you may elect to adjust your dividend rate to a new fixed dividend rate based on the rate currently ordered for this account once during the initial term of the account. For all Share Certificate and IRA Certificate accounts, the APY is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.


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. For variable rate accounts, the dividend rate and APY set forth on the reverse are the rates that the Credit Union anticipates paying for the applicable dividend period.


3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the reverse. The dividend period for Regular Share, Regular IRAs, Money Market, Gold Checking, Rewards Checking, Holiday, Youth Savings and Kids Club accounts begins on the first calendar day of the month and ends on the last calendar day of the month. The dividend period for all Share Certificates and IRA Certificates begins on the first day of the account and ends on the anniversary of the account. For all accounts, if you close your account prior to the end of the dividend period, dividends will not be paid.


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.


5. Balance Information. The minimum balance required to open each account is set forth on the reverse. For Regular Share, Regular IRAs, Holiday, Youth Savings and Kids Club accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. For Regular Share, Regular IRAs, Holiday, Youth Savings and Kids Club accounts there is a minimum daily balance requirement to earn dividends and obtain the stated APY as set forth on the reverse. For Regular Share, Regular IRAs, Holiday, Youth Savings and Kids Club accounts dividends will not be paid on those days the balance falls below the specified minimum daily balance requirement set forth on the Rate and Fee Schedule. For Gold Checking, Rewards Checking and Money Market accounts, dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day in the period and dividing that figure by the number of days in the period. For Gold Checking accounts there is a minimum average daily balance requirement or account relationship requirement in order to earn dividends and avoid a service fee. If the average daily balance falls below the minimum requirement or if you do not maintain the applicable relationship products, dividends will not be paid and there will be a service fee imposed. Applicable relationship products are: VISA, IRA, Safe Deposit Box, Direct Deposit, Share Certificate, IRA Certificate, Consumer Loan, Real Estate Loan. For Rewards Checking accounts you must conduct the following in order to receive the dividend rate and benefits for Rewards Checking: 1. Conduct 12 or more point of sale (POS) transactions, 2. Sign up to receive account statements electronically (e-statements) by the 27th of the month, 3. Receive a direct deposit into or conduct an ACH transaction from or perform one bill payment transaction. For each month the Rewards Checking qualifications are met, the tiered dividend rate will be paid on applicable balances and nationwide ATM fees will be refunded up to $25 a month. If you do not meet the monthly qualifications, your account will still function as a free checking account, but the dividend rate will be the Base rate shown on the reverse and you will not receive ATM refunds for that time period. Rewards Checking is available to personal accounts only. For Money Market accounts, there is a minimum average daily balance requirement to obtain the APY for the dividend period. If the average daily balance in your Money Market account falls below the minimum requirement, dividends will not be paid and there will be a service fee imposed.


6. Transaction Limitations. For Regular Share, Holiday, Money Market, Youth Savings and Kids Club accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, CU@Home transfers, 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 assessed fees, your items may be returned unpaid and/or your account may be closed.


7. Share and IRA Certificate Account Features.


1. Account Limitations. After your account is opened, you may not make withdrawals or additional deposits to your account, unless otherwise indicated on the reverse.


2. Maturity. Your Share and IRA Certificate account will mature within the term set forth on the reverse or on the maturity date set forth on your Share Certificate and IRA Certificate Receipt or Renewal Notice.


3. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal of your Share Certificate/IRA Certificate account before the maturity date.


1. Amount of Penalty. For Share Certificate/IRA Certificate accounts, the amount of the early withdrawal penalty is 180 days dividends for certificates with maturity dates over 1 year, 90 days dividends for certificates with maturity dates of 1 year or less.


2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividends have already been paid, the penalty will be deducted from the principal. For total withdrawal of funds, the penalty will be calculated on the principal balance in the account at the time of early withdrawal. For partial withdrawals, the penalty will be calculated on the amount withdrawn.


3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:


1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.


2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; provided that the depositor forfeits an amount at least equal to the dividend rate earned on the amount withdrawn; or where the account is an IRA and the owner attains age 70 1/2 or becomes disabled.


4. Renewal Policy. Share Certificate and IRA Certificate accounts are automatically renewable accounts if indicated as such on the Rate and Fee Schedule and will automatically renew for another term upon maturity. For a renewal account you have a grace period of seven (7) business days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. If this account will not automatically renew, dividends will not be paid after maturity, and the entire balance will be transferred in accordance with your payment instruction.


5. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

You may change your checking account type at any time in person or by phone, with a Financial Service Representative. Please note, the account type does not automatically change according to the account balance, activity, or relationships.

The rates and fees appearing in this Schedule are accurate and effective for Savings, Checking, IRAs, Money Market and Certificate accounts as of the Effective Date indicated on the reverse side. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union.