Savings Account
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.
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 is the last day of the dividend period, and for the example above is March 31
Minimum Balance Requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar quarter.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in 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 preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to a fee by the credit union.
Par Value of Share: The par value of a share in this account is $5.00.
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Checking Account
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account 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 is the last day of the dividend period, and for the example above is January 31.
Minimum Balance Requirements: An account must have a total relationship of more than $300.00 but less than $6,500.00 and maintain a balance of $2,500.00 in their checking account or an account must have an account total relationship of more than $6,500.00 - in this case no minimum checking account balance is required.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar month.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in your account.
Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section.
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Christmas and/or Vacation Club Accounts
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account 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 is the last day of the dividend period, and for the example above is January 31.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar month.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in your account.
Transaction Limitations: You may not make any withdrawals from this credit union account before the designated date assigned by the credit union. If you do, this account will be subject to closure.
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Special Club Account
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account 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 is the last day of the dividend period, and for the example above is January 31.
Minimum Balance Requirements: No minimum balance requirements apply to this account.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar month.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in 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 the preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to a fee by the credit union.
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IRA Money Market
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account 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. Dividends are declared weekly and paid monthly.
Minimum Balance Requirements: The minimum balance required to open this account is $250.00.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar month.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in 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 the preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to a fee by the credit union.
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Money Market Account
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account 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. Dividends are declared weekly and paid monthly.
Minimum Balance Requirements: The minimum balance required to open this account is $2,500.00. You must maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield.
Average Daily 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 that figure by the number of days in the period. The period we use is the calendar month.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) in 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 preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to a fee by the credit union.
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There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified 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 we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity (or 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, your deposit will be placed in a dividend-bearing account.
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.
There is no grace period following the maturity of this account during which you may withdraw the funds without being charged an early withdrawal penalty.
* Non-Automatically Renewable Account: This account will not automatically renew at maturity. If you do not renew the account, your deposit will be placed in a dividend-bearing account.
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Please refer to our separate fee schedule for additional information about charges.