Share Savings Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum Balance Requirements

The minimum that is required to open this account is the purchase of one share in the credit union. Please request to see the bylaw requirements in our complete account disclosure for additional information.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Par Value of a Share

The par value of a share in this account is $5.00.

Vacation Club Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum Balance Requirements

No minimum balance requirements apply to this account.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Property Tax Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will not be compounded. Dividends will be credited to your account annually.

Dividend Period

For this account type, the dividend period is annual. For example, the beginning date of the first dividend period of the calendar year is December 16, and the ending date of such dividend period is December 15 of the following year. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example above is December 15.

Minimum Balance Requirements

No minimum balance requirements apply to this account.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or instruction or similar order to a third party.

Christmas Club Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will not be compounded. Dividends will be credited to your account annually.

Dividend Period

For this account type, the dividend period is annual. For example, the beginning date of the first dividend period of the calendar year is October 1, and the ending date of such dividend period is September 30 of the following year. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example above is September 30.

Minimum Balance Requirements

No minimum balance requirements apply to this account.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or instruction or similar order to a third party.

Moola Moola Kids’ Savings Club Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum Balance Requirements

The minimum that is required to open this account is the purchase of one share in the credit union. Please request to see the bylaw requirements in our complete account disclosure for additional information.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or by instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Par Value of a Share

The par value of a share in this account is $5.00.

Money Market Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union management.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum Balance Requirements

The minimum required to open this account is $2,500.00.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Fees and Charges

An excessive withdrawal fee of $20.00 will be charged for each withdrawal in excess of three during a month. An account fee of $20.00 will be charged for each withdrawal under $500.00. A minimum balance fee of $20.00 will be charged if the daily balance for the account falls below $2,500.00.

Money Market Max Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union management.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum Balance Requirements

The minimum that is required to open this account is $15,000.00.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer or telephonic order or by instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Checking Plus Share Draft Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and Crediting

Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period

For this account type, the dividend period is monthly. 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. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. If you close your share draft account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements

You must maintain a minimum daily balance of $200.00 in your account or have direct deposit to avoid a minimum balance charge. If, during any monthly statement cycle, your account balance falls below the required minimum daily balance and you do not have direct deposit, your account will be subject to a minimum balance charge of $3.00 once during the monthly statement cycle. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

No transaction limitations apply to this account.

Easy Does It Share Draft Account

Minimum Balance Requirements

No minimum balance requirements apply to this account.

Transaction Limitations

No transaction limitations apply to this account.

Term Share Certificates

Rate Information

The dividend rate and annual percentage yield as stated will be paid until first maturity.

Compounding, Crediting and Dividend Period

For each term, you may choose the Dividend Period and the manner in which dividends are paid. The Annual Percentage Yield and method of Crediting and Compounding Dividends is based on your choice. The Annual Percentage Yield quoted is based on quarterly dividend to certificate.

Minimum Balance Requirements

The minimum required to open this account varies with each certificate and is listed on the current rates page. You must maintain the disclosed minimum daily balance in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

After the account is opened, you may not make additions into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw dividends accrued in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting after they are credited to your account. This dividend withdrawal limitation does not apply if you have made arrangements to have dividends paid to you or to another account in lieu of having them credited to this account.

Time Requirements

The term of the certificate you choose dictates the time requirement. The certificate must remain open for the entire term.

Early Withdrawal Penalties

(A penalty may be imposed for withdrawals before maturity.) The penalty we impose will equal 90 days of dividends on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other qualified tax plan.

Withdrawal of Dividends Prior to Maturity

The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Automatically Renewable Account

This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

IRA Share Account

Rate Information

The dividend rate and annual percentage yield may change at any time, as determined by the credit union management.

Compounding and Crediting

Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend Period

For this account type, the dividend period is quarterly. 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 March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.

Minimum Balance Requirements

No minimum balance requirements apply to this account.

Daily Balance Computation Method

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 on Non-cash Deposits

Dividends will begin to accrue on the first business day after the banking day you place non-cash items (for example, checks) to your account.

Transaction Limitations

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized, automatic or computer transfer, telephonic order or instruction, or similar order to a third party.