Deposit Rates

Share Accounts
Effective Date: Thursday, November 21st, 2024
Account	Dividend Rate	Annual Percentage Yield (APY)	Dividends Compounded	Dividends Credited	Dividends Period	Minimum Opening Deposit
Share Savings	0.02%		Monthly	Monthy	Monthly	25.00
Money Management	N/A		Monthly	Monthly	Monthly	N/A
Checking	0.01%		Monthly	Monthly	Monthly	25.00
IRA	Contact Office		Monthly	Monthly	Monthly	N/A
Christmas/Vacation Club Savings	0.02%		Monthly	Monthly	Monthly	N/A
Non-Dividend	0.00%	0.00%	Monthly	Monthly	Monthly	N/A

Minimum Balance to Avoid Service Charge and to earn APY set forth in this Schedule	$100.00 to earn APY	$2,000 to earn APY and avoid service charges	N/A	N/A	N/A	N/A
Bonus for Opening, Renewing, Maintaining, or Increasing Balance in an Account	N/A	N/A	N/A	N/A	N/A	N/A
Amount or type of bonus	N/A	N/A	N/A	N/A	N/A	N/A
When the bonus will be provided	N/A	N/A	N/A	N/A	N/A	N/A
Minimum balance to obtain the bonus	N/A	N/A	N/A	N/A	N/A	N/A
Minimum time you must maintain minimum balance to obtain bonus	N/A	N/A	N/A	N/A	N/A	N/A

The Par Value of a Membership Share is $25.00

Club Accounts
Account Type	Account Requirements	Distribution Methods
Christmas Club	Plan period 11/01 thru 10/31 Each Year Deposits Allowed. Early withdrawal from account is $10.00 per withdrawal.	Deposit to Primary Share Acct., Cash or Check
Vacation Club	Plan Period 5/1 to 4/30	Deposit to Primary Share Acct., Cash or Check

Certificates

Term Share Certificate and Money Management
Account Type	Minimum Opening Balance	Minimum Balance to Earn APY	Dividends Credited	Dividends Compounded
Fixed Rate Share Certificate Account	$500.00	Quarterly	Quarterly	Quarterly
Variable Rate IRA Certificate Account	N/A	N/A	N/A	N/A
Fixed Rate IRA Certificate Account	$500.00	Quarterly	Quarterly	Quarterly

Credit To Accounts For Member Deposits and Business Day Disclosure

The Credit Union's 'daily cut-off time':	All deposits or transactions received after the time we close for business on a day we are open or received after we open our Night Depository, or received on a day on which we are closed for business, will be treated as if received on the next business day that we are open. Our business hours are listed below.
The Credit Union's 'daily cut-off time' for Uniform Commercial Code Funds Transfers:	Any dollar amount may be transferred until 5:00 p.m., on a business day. Any request for a transfer after 5:00 p.m., will be sent on the next business day we are open.
The Credit Union's business day disclosure:	Our business days are Monday through Wednesday 8:30 a.m. to 5:00 p.m., and 8:30 a.m. to 5:15 p.m. on Thursday and Friday, excluding holidays. Our Night Depository is opened at 8:30 a.m. daily. (Deposits made after 8:30 a.m. or on a day we are not open will be processed on the next business day we are open).
Stop Payment Orders:	The Credit Union will not be obligated to take any action on a valid and appropriate Stop Payment Order received by us after 3:00 PM on a business day until after we open for business on the following business day.
Approved Check Printer(s) / Vendor(s)	Harland Company, Inc.

Electronic Funds Transfer Services: Limitations, Fees, and other Important Information

Daily ATM Limits ($/#):	Varies per member approved requests.
Daily POS Limits ($/#):	Varies per member approved requests.
Daily Check Card Limits ($/#):	Varies per member approved requests.
On-Line Transaction Processing:	Generally it will take 2–5 days to process a transaction

Fees applicable to Electronic Banking Transactions

Transactions including inquiries using the STAR, or VISA Networks: (3 free per month thereafter, each transaction)	Transaction) $2.00 (Inquiry) $2.00
Replacement ATM card fee (per occurrence):	$10.00
Pin Replacement:	$5.00