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** These rates are accurate and effective for accounts as of the date indicated and is subject to change without notice.  If you have any questions or want to know the current rate information, please give us a call or stop by ony of our branches. **

 - Rates effective as of 6/01/2013 -

Balances:

Dividend Rate

Annual Percentage Yield (APY)

$100 - $999

.02%

.02%

$1,000 - $2,499

.03%

.03%

$2,500 - $4,999

.05%

.05%

$5,000 - $39,999

.10%

.10%

$40,000 & above

.15%

.15%

  


 

SHARE CERTIFICATES

Term

Dividend Rate

Annual Percentage Yield (APY)

2 Year ($2,000.00 minimum deposit required)

0.35%

0.35%

1 Year ($2,000.00 minimum deposit required)

0.30%

0.30%

9 Month ($2,000.00 minimum deposit required)

0.25%

0.25%

6 Month ($2,000.00 minimum deposit required)

0.20%

0.20%

3 Month ($2,000.00 minimum deposit required)

0.15%

0.15%

Certain restrictions apply.  Share Certificate accounts may be subject to a penalty for early withdrawal.

 


 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

Term

Dividend Rate

Annual Percentage Yield (APY)

Traditional - 1 Year Certificate ($1,000.00 minimum deposit required)

.50%

.50%

Roth - 1 Year Certificate
($1,000.00 minimum deposit required)

.50%

.50%

 


 

SECURED AND UNSECURED VISA CARD

Annual Percentage Rate
(APR)

Annual Fee

12.95%

$12.50 annual fee


 TRUTH-IN-SAVINGS ACCOUNT DISCLOSURE

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

1.     Rate Information.  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.  For Share and
        Kid's Klub accounts, the Dividend Rate and Annual Percentage Yield may change
        monthly as determined by the Credit Union's Board of Directors.  The Share and
        Kid's Klub Share accounts are Tiered Rate accounts.  If your daily balance is
        $999.99 or below, the first Dividend Rate and Annual Percentage Yield listed for
        this account in the Rate Schedule will apply.  If your daily balance is from
        $1,000.00 to $2,499.99, the second Dividend Rate and Annual Percentage Yield
        listed for this account will apply.  If your daily balance is from $2,500.00 to
        $4,999.99, the third Dividend Rate and Annual Percentage Yield listed for this
        account will apply.  If 
your daily balance is from $5,000.00 to $39,999.99, the
        fourth Dividend Rate and Annual Percentage Yield listed for this account will
        apply.  If your daily balance is greater $40,000.00, the fifth Dividend Rate and
        Annual Percentage Yield listed for this account will apply.  Once a particular
        balance range is met, the Dividend Rate and Annual Percentage Yield for that
        balance range will apply to the full balance of your account.

2.     Nature of Dividends.  Dividends are paid from current income and available
        earnings after required transfers to reserves at the end of the dividend period.

3.     Dividend Compounding and Crediting.  The compounding and crediting of
        dividends are dividend period applicable to each account are set forth in the Rate
        Schedule.  The Dividend Period is the period of time at the end of which an
        account earns dividend credit.  The Dividend Rates and Annual Percentage Yield
        are the rates and yields as of the last dividend declaration date which is set forth
        in the Rate Schedule.

4.     Accrual of Dividends.  For all accounts, dividends will begin to accrue on
       noncash deposits (e.g. checks) on the day the Credit Union receives provisional
       credit.  If you close your account before accrued dividends are credited, accrued
       dividends will not be paid.

5.     Balance Information.  To open an account, you must deposit or already have on
        deposit at least the par value of one full share account.  The par value amount is
        stated in the Fee Schedule.  Some accounts may have additional minimum
        opening deposits.  The minimum balance requirements applicable to each
        account are set forth in the Rate Schedule.  To avoid a service fee for the
        dividend period there is a minimum average daily balance required on Share
        accounts.  If the required balance is not met, there will be a service fee as set
        forth in the Fee Schedule.  For all accounts, there is a minimum daily balance
        required to obtain the Annual Percentage Yield for the dividend period.  If the
        minimum daily balance is not met, you will not earn the Annual Percentage Yield.
        For accounts using the Daily Balance method as stated on the Rate Schedule,
        dividends are calculated by applying a periodic rate to the balance in the account
        each day.

6.     Account Limitations.  For Share and Kid's Klub Share accounts, no more than
       six (6) preauthorized, automatic, or telephone transfers may be made from these
       accounts to another account of yours or to a third party in any month, and no
       more than six (6) of these six (6) transfers may be made by check, draft, or
       debit card to a third party.  If you exceed these limitations, your account may be
       subject to a fee or be closed.  For Share accounts, six (6) withdrawals per
       month are allowed, after which a fee will be imposed.  For Share Draft accounts,
       no account limitations apply.

7.     Fees for Overdrawing Accounts.  Fees may be imposed on each check, draft,
        item, ATM card withdrawal, debit card point of purchase, preauthorized automatic
        debit, telephone initiated withdrawal or any other electronic withdrawal or transfer
        transaction that is drawn on an insufficient available account balance.  The entire
        balance in your account may not be available for withdrawal, transfer or paying a
        check, draft, or item.  You may consult the Funds Availability Policy for
        information regarding the availability of funds in your account.  Fees for over-
        drawing your account may be impossed for each overdraft, regardless of whether
        we pay or return the draft, item or transaction.  If we have approved an overdraft
        protection limit for your account, such fees may reduce your approved limit.
        Please refer to the Fee Schedule for current fee information.

** Fees could reduce earnings on the account.