Truth In Savings and Rate and Fee Disclosures
Savings and Checking Rates |
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Dividend Rates and Annual Percentage Yields are effective.
Saturday, April 17, 2021
Regular Savings | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$50.00 or more | 0.10 % | 0.10 % |
Savings (members under the age of 22) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$5.00 or more | 0.10 % | 0.10 % |
Kids 1st Club or iMember | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$5.00 or more | 0.10 % | 0.10 % |
Checking | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$2,500.00 or more | 0.05 % | 0.05 % |
Health Savings Account | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$0.00 - $2,499.99 | 0.05 % | 0.05 % |
$2,500.00 - $24,999.99 | 0.10 % | 0.10 % |
$25,000.00 or more | 0.15 % | 0.15 % |
Money Market | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$0.00 - $2,499.99 | 0.05 % | 0.05 % |
$2,500.00 - $24,999.99 | 0.10 % | 0.10 % |
$25,000.00 - $49,999.99 | 0.10 % | 0.10 % |
$50,000.00 - $99,999.99 | 0.15 % | 0.15 % |
$100,000.00 - $249,999.99 | 0.20 % | 0.20 % |
$250,000.00 or more | 0.25 % | 0.25 % |
Holiday Club or Vacation Club | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$0.00 or more | 0.15 % | 0.15 % |
IRA Money Market | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$0.00 - $2,499.99 | 0.05 % | 0.05 % |
$2,500.00 - $24,999.99 | 0.10 % | 0.10 % |
$25,000.00 - $49,999.99 | 0.10 % | 0.10 % |
$50,000.00 - $99,999.99 | 0.15 % | 0.15 % |
$100,000.00 - $249,999.99 | 0.20 % | 0.20 % |
$250,000.00 or more | 0.25 % | 0.25 % |
Supplemental Savings | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$50.00 or more | 0.10 % | 0.10 % |
Goal Savings | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$50.00 or more | 0.10 % | 0.10 % |
Secured Credit Card Savings | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 or more | 0.10 % | 0.10 % |
2020 Service Charges - Consumer Accounts
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Account Reconcilement | $20 per ½ hour |
Card Products | |
Debit and Credit 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 |
Credit Card Expedited Card Replacement (same day or next day expedited request only) | $10 per card |
Copy of Sales Draft for Debit or Credit transaction | $3 each |
Credit Card Over-Limit Fee (applies if balance exceeds credit limit at any time during statement period) |
$15 per cycle |
Credit Card Late Charge on any payment due made 5 days or more past the payment due date First occurrence Every late fee within 6 months after the first occurrence |
Up to $27 $37 per occurrence |
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 |
Foreign Currency Exchange Fee | At cost |
International Check Processing Fee | $50 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 |
Non-Sufficient Funds Returned Check, Debit or Bill Pay Item (includes NSF, uncollected funds, post-dated or stale-dated item) |
$37 each |
Non-Sufficient Funds Posted Point-of-Sale Item (does not apply to declined transactions) |
$37 each |
Non-Sufficient Funds Courtesy Paid Check, Debit, Bill Pay or Point-of-Sale Item (includes NSF, uncollected funds, post-dated or stale-dated item) |
$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 | $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. |
Certificate Rates |
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Dividend Rates and Annual Percentage Yields are effective.
Saturday, April 17, 2021
60-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.80 % | 0.80 % | |
$10,000.00 - $49,999.99 | 0.85 % | 0.85 % | |
$50,000.00 - $74,999.99 | 0.85 % | 0.85 % | |
$75,000.00 - $99,999.99 | 0.90 % | 0.90 % | |
$100,000.00 or more | 0.95 % | 0.95 % | |
48-Month Bump-Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 or more | 0.60 % | 0.60 % | |
48-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.70 % | 0.70 % | |
$10,000.00 - $49,999.99 | 0.75 % | 0.75 % | |
$50,000.00 - $74,999.99 | 0.75 % | 0.75 % | |
$75,000.00 - $99,999.99 | 0.80 % | 0.80 % | |
$100,000.00 or more | 0.85 % | 0.85 % | |
36-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.60 % | 0.60 % | |
$10,000.00 - $49,999.99 | 0.65 % | 0.65 % | |
$50,000.00 - $74,999.99 | 0.65 % | 0.65 % | |
$75,000.00 - $99,999.99 | 0.70 % | 0.70 % | |
$100,000.00 or more | 0.75 % | 0.75 % | |
30-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.55 % | 0.55 % | |
$10,000.00 - $49,999.99 | 0.60 % | 0.60 % | |
$50,000.00 - $74,999.99 | 0.60 % | 0.60 % | |
$75,000.00 - $99,999.99 | 0.65 % | 0.65 % | |
$100,000.00 or more | 0.70 % | 0.70 % | |
24-Month Add On - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 or more | 0.40 % | 0.40 % | |
24-Month Bump Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 or more | 0.40 % | 0.40 % | |
24-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.50 % | 0.50 % | |
$10,000.00 - $49,999.99 | 0.55 % | 0.55 % | |
$50,000.00 - $74,999.99 | 0.55 % | 0.55 % | |
$75,000.00 - $99,999.99 | 0.60 % | 0.60 % | |
$100,000.00 or more | 0.65 % | 0.65 % | |
18-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.45 % | 0.45 % | |
$10,000.00 - $49,999.99 | 0.50 % | 0.50 % | |
$50,000.00 - $74,999.99 | 0.50 % | 0.50 % | |
$75,000.00 - $99,999.99 | 0.55 % | 0.55 % | |
$100,000.00 or more | 0.60 % | 0.60 % | |
12-Month Add On - (Minimum Opening Deposit $100)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$100.00 or more | 0.25 % | 0.25 % | |
12 Month Bump-Up - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 or more | 0.25 % | 0.25 % | |
12-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $9,999.99 | 0.35 % | 0.35 % | |
$10,000.00 - $49,999.99 | 0.40 % | 0.40 % | |
$50,000.00 - $74,999.99 | 0.40 % | 0.40 % | |
$75,000.00 - $99,999.99 | 0.45 % | 0.45 % | |
$100,000.00 or more | 0.50 % | 0.50 % | |
9-Month No Penalty - (Minimum Opening Deposit $5,000)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$5,000.00 or more | 0.15 % | 0.15 % | |
6-Month - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $49,999.99 | 0.20 % | 0.20 % | |
$50,000.00 - $74,999.99 | 0.25 % | 0.25 % | |
$75,000.00 - $99,999.99 | 0.30 % | 0.30 % | |
$100,000.00 or more | 0.35 % | 0.35 % | |
3-Month* - (Minimum Opening Deposit $500)OPEN ONLINE | |||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate | |
$500.00 - $49,999.99 | 0.15 % | 0.15 % | |
$50,000.00 - $74,999.99 | 0.20 % | 0.20 % | |
$75,000.00 - $99,999.99 | 0.25 % | 0.25 % | |
$100,000.00 or more | 0.30 % | 0.30 % |
* 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 |
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Dividend Rates and Annual Percentage Yields are effective.
Saturday, April 17, 2021
60-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.80 % | 0.80 % |
$50,000.00 - $74,999.99 | 0.85 % | 0.85 % |
$75,000.00 - $99,999.99 | 0.90 % | 0.90 % |
$100,000.00 or more | 0.95 % | 0.95 % |
48-Month Bump Up - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 or more | 0.60 % | 0.60 % |
48-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.70 % | 0.70 % |
$50,000.00 - $74,999.99 | 0.75 % | 0.75 % |
$75,000.00 - $99,999.99 | 0.80 % | 0.80 % |
$100,000.00 or more | 0.85 % | 0.85 % |
36-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.60 % | 0.60 % |
$50,000.00 - $74,999.99 | 0.65 % | 0.65 % |
$75,000.00 - $99,999.99 | 0.70 % | 0.70 % |
$100,000.00 or more | 0.75 % | 0.75 % |
30-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.55 % | 0.55 % |
$50,000.00 - $74,999.99 | 0.60 % | 0.60 % |
$75,000.00 - $99,999.99 | 0.65 % | 0.65 % |
$100,000.00 or more | 0.70 % | 0.70 % |
24-Month - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.50 % | 0.50 % |
$50,000.00 - $74,999.99 | 0.55 % | 0.55 % |
$75,000.00 - $99,999.99 | 0.60 % | 0.60 % |
$100,000.00 or more | 0.65 % | 0.65 % |
24-Month Bump Up - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 or more | 0.40 % | 0.40 % |
18-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.45 % | 0.45 % |
$50,000.00 - $74,999.99 | 0.50 % | 0.50 % |
$75,000.00 - $99,999.99 | 0.55 % | 0.55 % |
$100,000.00 or more | 0.60 % | 0.60 % |
12-Month Bump Up - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 or more | 0.25 % | 0.25 % |
12-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.35 % | 0.35 % |
$50,000.00 - $74,999.99 | 0.40 % | 0.40 % |
$75,000.00 - $99,999.99 | 0.45 % | 0.45 % |
$100,000.00 or more | 0.50 % | 0.50 % |
9-Month No Penalty - (Minimum Opening Deposit $5,000) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$5,000.00 or more | 0.15 % | 0.15 % |
6-Month** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.20 % | 0.20 % |
$50,000.00 - $74,999.99 | 0.25 % | 0.25 % |
$75,000.00 - $99,999.99 | 0.30 % | 0.30 % |
$100,000.00 or more | 0.35 % | 0.35 % |
3-Month* ** - (Minimum Opening Deposit $500) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$500.00 - $49,999.99 | 0.15 % | 0.15 % |
$50,000.00 - $74,999.99 | 0.20 % | 0.20 % |
$75,000.00 - $99,999.99 | 0.25 % | 0.25 % |
$100,000.00 or more | 0.30 % | 0.30 % |
IRA Money Market - (Minimum Opening Deposit $0) | ||
Balance to Earn APY | Annual Percentage Yield | Dividend Rate |
$0.00 - $2,499.99 | 0.05 % | 0.05 % |
$2,500.00 - $24,999.99 | 0.10 % | 0.10 % |
$25,000.00 - $49,999.99 | 0.10 % | 0.10 % |
$50,000.00 - $99,999.99 | 0.15 % | 0.15 % |
$100,000.00 - $249,999.99 | 0.20 % | 0.20 % |
$250,000.00 or more | 0.25 % | 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.