Truth In Savings and Rate and Fee Disclosures

Savings and Checking Accounts
Truth-In Savings Disclosure
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. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. The Dividend Rate and Annual Percentage Yield for the account(s) are variable and may change at any time at the discretion of the Credit Union. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity.
Compounding & Crediting - Dividends will be compounded and credited monthly to your account. The dividend period begins on the first calendar day of each calendar month and ends on the last calendar day of each calendar month. The dividend period is monthly. In the event the savings or checking account is being closed, dividends will be credited on the closure date.
Balance Computation Method - 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 of the period and dividing the figure by the number of days in the period. Money Market, Health Savings Account, IRA Money Market (Traditional), Roth IRA Money Market and Coverdell ESA dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends - Dividends will begin to accrue on cash and non-cash deposits (e.g. checks) on the business day you deposit such items to your account.
Balance Information - The minimum balance requirement to open a Regular Savings, Savings, Kids 1st Club or iMember is $5.00; Secured Credit Card Savings is $500.00, and $0.00 for all other savings or checking accounts.
Fees & Charges - See Service Charge schedule for a list of fees and charges that may be assessed against your account.

We offer a Free Checking Account or a Rewards Checking Account. Rewards Checking has an affiliated paper statement fee on your account. Free Checking does not provide paper account statements after 60 days. However, if after 60 days, you have not reasonably demonstrated your ability to access electronic statements, your Free Checking account will be automatically converted to a Rewards Checking Account on which a Statement Fee will be imposed on your account with each periodic statement. Any future optional enrollment in Electronic Statements will avoid the Paper Statement Fee.
Maturity Dates for Club Accounts ONLY - Holiday Clubs mature on October 1st and Vacation Clubs mature on April 1st.
Nature of Dividends - Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.
Bylaw Requirements - See Membership & Account Agreement.
CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.

Rev 10/20/2020
Savings and Checking Rates

Dividend Rates and Annual Percentage Yields are effective.

Thursday, January 20, 2022

Regular Savings
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.10 %0.10 %

Savings (members under the age of 22)
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5.00 or more0.10 %0.10 %

Kids 1st Club or iMember
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5.00 or more0.10 %0.10 %

Checking
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$2,500.00 or more0.05 %0.05 %

Health Savings Account
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05 %0.05 %
$2,500.00 - $24,999.990.10 %0.10 %
$25,000.00 or more0.15 %0.15 %

Money Market
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05 %0.05 %
$2,500.00 - $24,999.990.10 %0.10 %
$25,000.00 - $49,999.990.10 %0.10 %
$50,000.00 - $99,999.990.15 %0.15 %
$100,000.00 - $249,999.990.20 %0.20 %
$250,000.00 or more0.25 %0.25 %

Holiday Club or Vacation Club
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 or more0.15 %0.15 %

IRA Money Market
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05 %0.05 %
$2,500.00 - $24,999.990.10 %0.10 %
$25,000.00 - $49,999.990.10 %0.10 %
$50,000.00 - $99,999.990.15 %0.15 %
$100,000.00 - $249,999.990.20 %0.20 %
$250,000.00 or more0.25 %0.25 %

Supplemental Savings
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.10 %0.10 %

Goal Savings
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.10 %0.10 %

Secured Credit Card Savings
(Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.10 %0.10 %
Service Charges - Consumer Accounts
Account Reconcilement $20 per ½ hour
Debit Cards Free issuance and no annual fee
ATM Withdrawals and Inquiries
Fees for transactions exceeding 3 per month on non-Members 1st ATM machines		 $1.50 per transaction
ATM Deposit returned unpaid $20 per returned item
Debit Card Replacement prior to expiration date $5 per card
Copy of Sales Draft for Debit transaction $3 each
Certified Checks $5 per check
Checks Copies $2 each/Free online
Club Accounts Pre-Maturity Withdrawal
(Annual Maturity Date: Holiday Club is October 1st and Vacation Club is April 1st)		 $10 per withdrawal
Dormant/Inactive Account (applies to accounts with no activity for 18 or more months) $20 per quarter
Drive-Through Transactions in Excess of 3 Transactions per Visit $1 per transaction
Financial Inquiries (Excludes Members 1st Online and EZ Call)
(applies to inquiries within last 5 calendar days)
(applies to inquiries more than last 5 calendar days)
$1 per inquiry/Free online
$2 per inquiry/Free online
International Check Processing Fee $75 per item
Legal Processing Fee
(includes Domestic Relations Orders, Garnishments, Levies, Search Warrants, Subpoenas, Writs, etc.)		 $125 each
Lien/Title Encumbrance Cost Charge by State
Members 1st Teller Check (Cashier Check)
Payable to Third Party
Copy of Paid Members 1st Teller Check Payable to Third Party
$5 per check
$3 per check
Money Orders $4 per order
Overdraft (Courtesy Pay & Extra Courtesy Pay - paid items) and Non-Sufficient Funds (NSF) returned items
(Maximum of 6 combined fees assessed per calendar day.)		 $37 each
Research Letter
(includes documentation for immigration, guaranteed funds, letters of credit, release of financial information)		 $25 per letter or form
Returned Check from Deposit, Loan Payment or Credit Card Payment $20 per check presentment
Returned Check Referral Fee
(applies if collection of item requires third party and is in addition to returned check fee)		 $35 per check
Safe Deposit Box (NCUA does not insure Safe Deposit Box contents)
2X5…$30 3X5…$35 5X5…$45 3X10…$50 5X10…$60 10X10…$100		 Annual charge
Storage Box (NCUA does not insure Storage Box contents)
3X5…$25 5X5…$35 3X10…$40 5X10…$50 10X10…$90		 Annual charge
Safe Deposit Box or Storage Box
Late Fee (Rent late 30 days or more)
Replacement Key
Drilling Fee
$10
$10
$125
Statement of Account
Copy of previously issued statement
Mailed paper statement whether monthly or quarterly
Returned Mail for Paper Statement
eStatements (online access)
Paper Visa credit card statements
$2 per copy
$2 per cycle
$3 per returned paper statement
Free
Free
Stop Payment for Check or Pre-authorized ACH Debit checks $30 each or $60 for series of checks
Temporary checks (instant issue checks for emergency replacement only) $2 per order
Unclaimed Property Processing
(applies to inactive accounts required for escheat to State Treasury)		 $50 per account
Wire Transfer
Outgoing Domestic Wire
Outgoing Foreign Wire (Member Loyalty Rewards Discount not applicable)
Incoming Wire
$30
$40
Free
Service charges are subject to change.
Certificates
Truth-In Savings Disclosure
Rate Information - The Dividend Rate and Annual Percentage Yield on your account(s) are set forth herein. 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. The Dividend Rate and Annual Percentage Yield for all Certificates are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
For the Bump Up Certificate, you may elect to change the rate of the certificate once during the original term of the certificate. To change the rate on the Bump Up, an owner of the certificate must contact the Credit Union to request the increase. The rate on the Bump-Up will be changed on the date the Credit Union receives the request. The rate will be changed to the rate currently in effect for a fixed rate certificate of the same term as the Bump Up certificate and will remain in effect until maturity. The 12-month bump up would change to the 12-month rate, 24-month bump up would change to the 24-month rate and the 48-month bump up would change to the 48-month rate.
Compounding & Crediting - All dividends are paid monthly except where noted. You may choose to have the dividends paid monthly to your certificate, to another account, or for certificates with balances in excess of $10,000 a dividend check may be mailed to you. You may elect to change the method of dividend disposition through Members 1st Online Banking or by contacting the Credit Union. For the 12 month Add On and 24 month Add On Certificates the dividends must be paid to the certificates. Dividends will be compounded and credited monthly. 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 example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your Certificate account(s) before accrued dividends are credited, accrued dividends will not be paid.
Balance Computation Method - Dividends are calculated by the average daily balance method in which dividends are computed by applying a periodic rate to the average balance in the account for each day of the period and dividing that sum by the number of days in the period.
Accrual of Dividends - Dividends will begin to accrue on both cash and non-cash deposits (e.g. checks) on the business day you deposit such items to your account.
Balance Information - The minimum balance required to open each Certificate is $500.00, except for the 12 Month Add On (Certificate) which is $100.00, and the 9 Month No Penalty (Certificate or IRA Certificate) which is $5,000.00.
Fees & Charges - See Service Charge schedule for a list of fees and charges that may be assessed against your account.
Transaction Limitations - After the Certificate Account is opened, you may not make deposits into the account until the maturity date or during the 7-day grace period following the date of maturity except for the Add On Certificate. Deposits of $10.00 for the 12-month Add On Certificate and $25.00 for the 24-month Add On Certificate may be made at any time by payroll allocation, automatic transfer, by teller, by mail or by Customer Service. Dividends will accrue on these deposits from the day of deposit. Certificates are not transferable. Withdrawals from IRA accounts may be subject to taxation as provided for by law as well as an IRS penalty. See your IRA Trust Agreement and/or consult your tax or legal advisor.
Maturity Dates - Your account will mature at the end of the term.
Early Withdrawal Penalties - A substantial penalty will be imposed for withdrawals prior to the maturity date that may result in invasion of principal. The forfeiture is calculated on the simple interest rate regardless of how long the funds have remained in the account. The penalty for certificates purchased or renewed with a term less than 11 months will be equal to a forfeiture of an amount equal to 90 days’ dividends, whether earned or not. The penalty for certificates purchased or renewed for a term equal to 11 months through 24 months will be equal to a forfeiture of an amount equal to 180 days’ dividends, whether earned or not. The penalty for certificates purchased or renewed for a term equal to 25 months or greater will be equal to a forfeiture of an amount equal to 270 days’ dividends, whether earned or not.

The appropriate penalty is determined by the term and the date of purchase or renewal, whichever is later. Dividends may be withdrawn at any time without penalty. Early withdrawal penalty applies to full payouts as well as partial withdrawals. For partial withdrawals, if the remaining balance of the certificate, after the partial withdrawal is completed, is less than the required minimum balance then no dividends will be paid to the certificate until such time that the certificate balance is again at or above the minimum balance requirement for that particular certificate. There will be no penalties for early withdrawal of the 9 Month No Penalty certificate. No partial withdrawals are permitted from the Add On Certificate and the early withdrawal penalty for early redemption will be calculated on the current balance of the Add On Certificate.
Renewal Policies - The Credit Union will notify you at least 20 days prior to maturity. Your Certificate account(s) will automatically renew at maturity except for the 9 Month No Penalty Certificate. For the No Penalty Certificate, the certificate balance will be transferred to your regular savings account on the maturity date and notification of the transfer will be mailed. For the Bump Up Certificate, on the maturity date the certificate balance will be renewed as a standard certificate for the same term. The renewed certificate will not have the Bump Up option. For the 7 Month Certificate, on the maturity date the certificate will be renewed as the standard 6 month term certificate. For the 11 Month Certificate, on the maturity date the certificate will be renewed as the standard 12 month term certificate. For the 15 Month Certificate, on the maturity date the certificate will be renewed as the standard 18 month term certificate. For the 19 Month Certificate, on the maturity date the certificate will be renewed as the standard 18 month term certificate. For the 25 Month Certificate, on the maturity date the certificate will be renewed as the standard 24 month term certificate. For the 29 Month Certificate, on the maturity date the certificate will be renewed as the standard 30 month term certificate. For all certificate products except the No Penalty Certificate, Bump Up Certificates and special terms (7 month, 11 month, 15 month, 19 month, 25 month and 29 month terms) the certificate will automatically renew for the same term. Except for the No Penalty Certificate which transfers on the maturity date, you will have a grace period of 7 calendar days after the maturity date to withdraw the funds in all certificate accounts without being charged an early withdrawal penalty. Dividends credited to your account and not withdrawn prior to renewal are added to principal and may not be withdrawn without incurring an early withdrawal penalty.
Nature of Dividends - Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rates and Annual Percentage Yields are rates and yields that the Credit Union has offered within the most recent seven (7) calendar days. They are accurate as of the date specified above. You may call for current rates and yields.
Account Limitations - CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.
Revised 10/20/2020
Certificate Rates

Dividend Rates and Annual Percentage Yields are effective.

Thursday, January 20, 2022

60-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.80 %0.80 %
$10,000.00 - $49,999.990.85 %0.85 %
$50,000.00 - $74,999.990.85 %0.85 %
$75,000.00 - $99,999.990.85 %0.85 %
$100,000.00 or more0.90 %0.90 %

48-Month Bump Up - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.60 %0.60 %

48-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.70 %0.70 %
$10,000.00 - $49,999.990.75 %0.75 %
$50,000.00 - $74,999.990.75 %0.75 %
$75,000.00 - $99,999.990.75 %0.75 %
$100,000.00 or more0.80 %0.80 %

36-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.60 %0.60 %
$10,000.00 - $49,999.990.65 %0.65 %
$50,000.00 - $74,999.990.65 %0.65 %
$75,000.00 - $99,999.990.65 %0.65 %
$100,000.00 or more0.70 %0.70 %

30-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.55 %0.55 %
$10,000.00 - $49,999.990.60 %0.60 %
$50,000.00 - $74,999.990.60 %0.60 %
$75,000.00 - $99,999.990.60 %0.60 %
$100,000.00 or more0.65 %0.65 %

24-Month Add On - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.40 %0.40 %

24-Month Bump Up - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.40 %0.40 %

24-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.50 %0.50 %
$10,000.00 - $49,999.990.55 %0.55 %
$50,000.00 - $74,999.990.55 %0.55 %
$75,000.00 - $99,999.990.55 %0.55 %
$100,000.00 or more0.60 %0.60 %

18-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.45 %0.45 %
$10,000.00 - $49,999.990.50 %0.50 %
$50,000.00 - $74,999.990.50 %0.50 %
$75,000.00 - $99,999.990.50 %0.50 %
$100,000.00 or more0.55 %0.55 %

12-Month Add On - (Minimum Opening Deposit $100)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$100.00 or more0.25 %0.25 %

12-Month Bump Up - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.25 %0.25 %

12-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $9,999.990.35 %0.35 %
$10,000.00 - $49,999.990.40 %0.40 %
$50,000.00 - $74,999.990.40 %0.40 %
$75,000.00 - $99,999.990.40 %0.40 %
$100,000.00 or more0.45 %0.45 %

9-Month No Penalty - (Minimum Opening Deposit $5,000)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$5,000.00 or more0.15 %0.15 %

6-Month - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.20 %0.20 %
$50,000.00 - $74,999.990.25 %0.25 %
$75,000.00 - $99,999.990.25 %0.25 %
$100,000.00 or more0.30 %0.30 %

3-Month* - (Minimum Opening Deposit $500)

OPEN ONLINE
Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.15 %0.15 %
$50,000.00 - $74,999.990.20 %0.20 %
$75,000.00 - $99,999.990.20 %0.20 %
$100,000.00 or more0.25 %0.25 %

* Paid at maturity
CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.

IRA Certificate and IRA Money Market Rates

Dividend Rates and Annual Percentage Yields are effective.

Thursday, January 20, 2022

60-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.80 %0.80 %
$50,000.00 - $74,999.990.85 %0.85 %
$75,000.00 - $99,999.990.85 %0.85 %
$100,000.00 or more0.90 %0.90 %

48-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.60 %0.60 %

48-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.70 %0.70 %
$50,000.00 - $74,999.990.75 %0.75 %
$75,000.00 - $99,999.990.75 %0.75 %
$100,000.00 or more0.80 %0.80 %

36-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.60 %0.60 %
$50,000.00 - $74,999.990.65 %0.65 %
$75,000.00 - $99,999.990.65 %0.65 %
$100,000.00 or more0.70 %0.70 %

30-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.55 %0.55 %
$50,000.00 - $74,999.990.60 %0.60 %
$75,000.00 - $99,999.990.60 %0.60 %
$100,000.00 or more0.65 %0.65 %

24-Month - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.50 %0.50 %
$50,000.00 - $74,999.990.55 %0.55 %
$75,000.00 - $99,999.990.55 %0.55 %
$100,000.00 or more0.60 %0.60 %

24-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.40 %0.40 %

18-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.45 %0.45 %
$50,000.00 - $74,999.990.50 %0.50 %
$75,000.00 - $99,999.990.50 %0.50 %
$100,000.00 or more0.55 %0.55 %

12-Month Bump Up - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.25 %0.25 %

12-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.35 %0.35 %
$50,000.00 - $74,999.990.40 %0.40 %
$75,000.00 - $99,999.990.40 %0.40 %
$100,000.00 or more0.45 %0.45 %

9-Month No Penalty - (Minimum Opening Deposit $5,000)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5,000.00 or more0.15 %0.15 %

6-Month** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.20 %0.20 %
$50,000.00 - $74,999.990.25 %0.25 %
$75,000.00 - $99,999.990.25 %0.25 %
$100,000.00 or more0.30 %0.30 %

3-Month* ** - (Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 - $49,999.990.15 %0.15 %
$50,000.00 - $74,999.990.20 %0.20 %
$75,000.00 - $99,999.990.20 %0.20 %
$100,000.00 or more0.25 %0.25 %

IRA Money Market - (Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05 %0.05 %
$2,500.00 - $24,999.990.10 %0.10 %
$25,000.00 - $49,999.990.10 %0.10 %
$50,000.00 - $99,999.990.15 %0.15 %
$100,000.00 - $249,999.990.20 %0.20 %
$250,000.00 or more0.25 %0.25 %

* Paid at maturity  **Coverdell Education Savings Account (ESA) Certificate available
CERTAIN PRODUCTS AND RATES ARE NOT AVAILABLE FOR PUBLIC FUNDS ACCOUNTS, FINANCIAL INSTITUTIONS, OR OTHER INSTITUTIONAL INVESTORS.

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