The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Truth-In-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

The following fees may be assessed against your account and the following transaction limitations, if any, applied to your account.

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Share and Share Draft Accounts

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.

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 Regular Share and Auxiliary Share/Accumulative IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. For Money Market, Basic Share Draft and Prime Advantage Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. For Christmas and Vacation accounts, the Dividend Rate and Annual Percentage Yield may change annually as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Regular Share and Auxiliary Share/Accumulative IRA accounts are Tiered Rate accounts. If your account balance is $1,999.99 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your account balance is from $2,000.00 to $9,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $10,000.00 to $24,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $25,000.00 to $59,999.99, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is from $60,000 to $99,999.99, the fifth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is greater than $99,999.99, the sixth 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 Dividend. Dividends are paid form 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 and 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 Period begins on the first calendar day of the period and ends on the last calendar day of the period.
4. Accrual of Dividends. For Regular Share, Christmas, Vacation, Auxiliary Share/Accumulative IRA, Money Market, Basic Share Draft, and Prime Advantage Share Draft accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Regular Share, Christmas, Vacation, Auxiliary Share/Accumulative IRA, Money Market, Basic Share Draft and Prime Advantage Share Draft accounts , if you close your account before accrued dividends are credited, accrued dividends will not be paid.
5. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share, Money Market and Basic Share Draft accounts, there is a minimum average daily balance required to avoid a service fee for the dividend period. If the minimum average daily balance is not met, there will be a service fee as set forth above. For Regular Share, Money Market and Basic Share Draft accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For Regular Share, Christmas, Vacation, Auxiliary Share/Accumulative IRA, Money Market, Basic Share Draft and Prime Advantage Share Draft accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
6. Account Limitation. For Money Market account, 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 three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. For Regular Share and Auxiliary Share/Accumulative IRA accounts, no more than five (5) preauthorized, automatic, or telephone transfers may be make from these accounts to another account of yours or to a third party in any quarter, and no more than three (3) of these five (5) 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 a Christmas account, the entire balance will be paid to you by check or transferred to another account of yours on or after October 15 and the account will remain open. You may be charged a withdrawal fee of $10.00 for each withdrawal from the account. You may make transfers or withdrawals in the first seven (7) days after the account is open without restrictions. For a Vacation account, the entire balance will be paid to you by check or transferred to another account of yours on or after May 15 and the account will remain open. You may be charged a withdrawal fee of $10.00 for each withdrawal from the account. You may make transfers or withdrawals in the first seven (7) days after the account is open without restrictions. For Basic Share Draft, Prime Advantage, and CU 101 Share Draft accounts, no account limitations apply.
   

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Share Certificate Accounts

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule 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 all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield 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 the dividend period.
3. Dividends Compounding and Crediting. The compounding and crediting of dividends applicable to each account is set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period. *For Certificate accounts, 2 and 3 year terms, the compounding, crediting, and dividend period is annual.
4. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all 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 determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period.
5. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For IRA accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
6. Transaction Limitations. After your account is opened, your ability to make additional deposits to your account or withdrawals of dividends and any limitations on such transactions are set forth in the Rate Schedule. **For IRA accounts, there is a $250.00 minimum deposit allowed, if current rate unchanged.
7. Maturity. Your account will mature as indicated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.

Amount of Penalty. For all accounts, the amount of the early withdrawal penalty for your accounts is number of days dividends from last quarter days dividends.

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 dividend has already been paid, the penalty will be deducted from the principal.
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:

Renewal Policy. The renewal policy for your accounts is indicated on the reverse side. For IRA accounts, your account will automatically renew for another term upon maturity. For IRA accounts, you do not have a grace period after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For Certificate accounts, your account will not automatically renew, but you may renew the account at your option. Dividends will not be paid after maturity. The balance will be transferred to anther account of yours.

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.

*IRA Annual Maintenance fee: $10.00