Rates are represented in:  APR = Annual Percentage Rate

                                               APY = Annual Percentage Yield

Account Limitations/Dividend Calculation Methods

Except as specifically described, the following disclosures apply to all of the 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, Christmas Club, Special Club and 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 Accounts, the Dividend Rate and Annual Percentage Yield may change Monthly as determined by the credit union's Board of Directors.

2. Nature of Dividends:  Dividends are paid from current income and available earning after the required transfers to reserve 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 fort in the Rate Schedule (above).  The Dividend Period is the period of time at the end of which an account earns dividend credit.  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 (above).

4. Accrual of Dividends:  For Regular Share, Christmas Club, Money Market, and IRA accounts dividends will begin to accrue on non cash deposits (e.g. checks) on the business day you make the deposit to your account.  For Regular Share, Christmas Club, Special Club, Money Market, and IRA accounts, if you close your account before the accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information:  The minimum balance requirements applicable to each account are set for in the Rate Schedule (above).  For Regular Share and Money Market accounts, there is a minimum daily balance required to obtain, the Annual Percentage Yield for the dividend period.  If the Minimum daily balance is not met, you will not earn the stated Annual Percentage Yield.  For Regular Share, Christmas Club, Special Club, Money Market and IRA accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. Account Limitations:  For Regular Share and Money Market accounts, no more than three (3) preauthorized or telephone transfers may be made from these account to another account of yours or to a third party in any month.  If you exceed these limitations your account may be subject to a fee or be closed.  For Regular Share accounts, three (3) withdrawals per month are allowed, after which a fee will be imposed.  For Money Market accounts, minimum deposit and withdrawal amounts are $100.00.  For Special Club, IRA, and Share Draft/Checking Accounts, no limitations apply.

For a complete listing of applicable fees, please read our the following fee schedules: 

Share Draft/Checking Fees

ATM Fees

Other Fees