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RATE AND FEE SCHEDULE

CERTIFICATES OF DEPOSIT (Rates Effective April 12, 2012, rates subject to change without notice.)
  Annual Percentage
TERM RATE YIELD
36 MONTHS .75% .75%
24 MONTHS .675% .675%
18 MONTHS .575% .575%
12 MONTHS .375% .375%
6 MONTHS .188% .188%
3 MONTHS .11% .11%
There is a penalty for early withdrawals on CDs, Minimum Deposit for all terms is $1,000.00
SAVINGS ACCOUNTS
Dividend Rates

Premier Share Accounts

(Effective 04/01/14)

$.01-$999.99 -- 0.00% APR
$1000.00 - $5000.00 -- 0.05% APR
$5000.01 & UP -- 0.10% APR

   
IRA Rates (03/21/13) TERM APR APY
$1,000 minimum 12 MONTHS .40% .40%
  24 MONTHS .50% .50%
  36 MONTHS .60% .60%
  48 MONTHS .70% .70%
  60 MONTHS .80% .80%
S/C Educational
($500 minimum)
12 Months .40% .40%
Share IRA N/A .30% .30%
DIVIDEND PAYMENT SCHEDULE
  PREMIER SHARE ACCOUNT HOLIDAY CLUB VACATION CLUB SHARE DRAFT ACCOUNT
Dividends Compounded Quarterly At Maturity At Maturity N/A
Dividends Credited Quarterly At Maturity At Maturity N/A
Dividend Period Calendar Quarter Term of Account Term of Account N/A
BALANCE REQUIREMENTS
Minimum Opening Deposit $25.00 $5.00 $5.00 $200
Minimum Balance to Avoid A Service Fee None None None $200
Minimum Balance to Earn The Stated APR None None None N/A
Balance Method Average Daily Balance     N/A
SHARE DRAFT ACCOUNT FEES (Fees Effective 06/01/14)
Copy of Processed Draft Fee $4 per draft
NSF Fee $30 per item
NSF Reversed $10 per item
Overdraft transfer fee $7 per item
Deposited Item Returned $30 per item
Share Draft Printing Fee Prices vary by style
Share Draft Minimum Account Balance Fee $4 monthly (if below $200)
Stop Payment Fee $15 per item
Stop Payment of Check Series $25
Stop Payment Renewal $5 per item
Stop Payment Release $5 per item
Certified Check $5 per item
Uncollected Funds $20 per item
ACH (Fees Effective 06/01/14)
ACH Debit Returned Item - NSF $30
ACH Overdraft transfer fee $7
ACH Stop Payment $15
ATM CHARGES (Fees Effective 06/01/14)
Nonfunctional Card Replacement Fee $5
Lost Card Replacement Fee $10
Reset Pin Fee $2
PIN Mailer $3
Monthly Maintenance Fee $1
4 Free withdrawals/month.  Additional withdrawals after 4 $1 each
International Conversion Fee  (varies) actual
OTHER SERVICE FEES (Fees Effective 06/01/14)
Account Reconciliation Fee $25 per hour
Account Research Fee $25 per hour
Account Closure Fee $5 per account closed
Balance Certification Letter $5 per account
Deposited Item Return Fee $30 per item
Early Withdrawal, Close Club Fee $20
Foreign Item Collection $30
Inactive Account Fee $5 per month, after 6 months of inactivity & less than $250 on deposit
Interim Statement Fee $5 per statement
Loan Application Fee $7.50/$15.00 joint applicaton
Refinane Loan w/o money advance $25
Lien Release Letter $5
IRS Levy $25
Money Order Fee (up to $1,500) $1 per item
Money Order -- Copy of Paid M.O. $5
Money Order -- Stop Payment $15
Statement Copy Fee $5 per copy
Teller Check Payable To Third Party $5
Teller Check -- Copy of Paid Check $5
Teller Check -- Stop Payment $15
Western Union Money Transfer $25 per item
Wire Transfer (outgoing) Fee $25 per item
Escheat Fee $50
Returned mail $5
Fax Request $1
HOME BANKING
Online Banking FREE
Reset Password $1
   


Effective October 3, 2008, your savings insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government. Effective April 1, 2006, Traditional and Roth IRAs (Individual Retirement Accounts) are insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.


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