 |
* Rates and other terms may change at any time without prior notice
| Savings/Checking Accounts |
| Dividend |
Savings 01 |
Checking
74,75,76 |
No Dividend Checking 77 |
Savings
02,03,05 |
Christmas Club 08 |
| Dividend Rate |
1.00% |
0.40% |
N/A |
1.00% |
1.00% |
| Annual Percentage Yield |
1.00% |
0.40% |
N/A |
1.00% |
1.00% |
| Calculation Method |
Average Daily |
Average Daily |
N/A |
Average Daily |
Average Daily |
| Compounding Frequency |
Quarterly |
Monthly |
None |
Quarterly |
Quarterly |
| Dividends Paid/Period |
Quarterly |
Monthly |
None |
Quarterly |
Quarterly |
| Frequency of Change |
Quarterly |
Monthly |
None |
Quarterly |
Quarterly |
| Closed Accounts |
No Dividend |
No Dividend |
No Dividend |
No Dividend |
No Dividend |
Balance
Requirements |
| To Open Account |
$5.00 |
$100.00 (Savings 01 Required) |
$100.00 (Savings 01 Required) |
$0 (Savings 01 Required) |
$0 (Savings 01 Required) |
| To Earn Dividends |
$100.01 |
$0 |
N/A |
$0 |
$0 |
| Minimum Average Daily Balance |
|
$500.00 |
|
|
|
| Anticipated
Dividend July 1, 2008 - September 30, 2008 |
| Retirement Accounts |
| Dividend |
IRA Savings 81 |
Conduit IRA 83,84 |
Education IRA 87 |
Roth IRA 88 |
Conversion IRA 89 |
| Dividend Rate |
3.25% |
3.25% |
3.25% |
3.25% |
3.25% |
| Annual Percentage Yield |
3.29% |
3.29% |
3.29% |
3.29% |
3.29% |
| Calculation Method |
Average Daily |
Average Daily |
Average Daily |
Average Daily |
Average Daily |
| Compounding Frequency |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
| Dividends Paid/Period |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
| Frequency of Change |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
Quarterly |
| Closed Accounts |
No Dividend |
No Dividend |
No Dividend |
No Dividend |
No Dividend |
Balance
Requirements |
| To Open Account |
$5 (Savings 01 Required) |
$5 (Savings 01 Required) |
$5 (Savings 01 Required) |
$5 (Savings 01 Required) |
$5 (Savings 01 Required) |
| To Earn Dividends |
$0 |
$0 |
$0 |
$0 |
$0 |
| Account Fees (effective March 4, 2008) Any IRA account with an Average Daily Balance of less than $500.00 and no transaction activity for two calendar years will be assessed an annual fee of $10.00. |
|
Anticipated Dividend July 1, 2008 - September 30, 2008 |
| Money
Market Accounts |
| Rate
& Fee Schedule |
Effective
July 28, 2008 |
| Balance
to Earn Dividends |
Dividend
Rate |
Annual
Percentage Yield |
| $0
to $2,499.99 |
1.00% |
1.00% |
| $2,500.00
to $9,999.99 |
2.30% |
2.32% |
| $10,000.00
to $24,999.99 |
2.65% |
2.68% |
| $25,000.00
to $49,999.99 |
3.00% |
3.04% |
| $50,000.00
and above |
3.20% |
3.25% |
| Calculation
Method |
Daily |
| Compounding
Frequency |
Monthly |
| Dividends
Paid/Period |
Monthly |
| Frequency
of Change |
Daily |
| Balance
Requirements To Open Account |
$2,500.00
(Savings 01 required) |
| Minimum
Average Daily Balance |
N/A |
| Account Fees |
| Membership Fee (to join CU) |
$10.00 non-refundable |
| Stop Payment Fee |
$25.00 per request |
| Check Copy |
$3.00 per item |
| Counter Checks |
$0.25 per check |
| Non-Sufficient
Fee |
$25
per check |
| Overdraft
Transfer |
$4.00
per transfer |
Excessive
Withdrawal Fee
|
$15
if over 3 checks and/or 6 withdrawals in a calendar month |
Please
read the disclosure information thoroughly before proceeding
to the application. You will be required to indicate on
the application that you have acknowledged receipt of,
and have read and understood the Money Market Savings
Account Disclosure.
Please refer to Rate and Fee Schedule for savings and
checking for additional credit union fees. |
| Savings
Certificates Anticipated
Dividend August 7, -August 25, 2008 |
| Rate Structure |
Dividend Rate |
Annual Percentage Yield |
| One Year |
2.96% |
3.00% |
| Two Years |
3.20% |
3.25% |
| Three Years |
3.35% |
3.40% |
| Four Years |
3.45% |
3.50% |
| Five Years |
3.69% |
3.75% |
| Dividend
Type of Rate: Fixed
Calculation Method: Daily
Compounding Frequency: Monthly
Dividends Paid/Period: Monthly
Dividends Paid to Savings: No
Closed Account: Dividends Paid |
Conditions
Minimum Deposit to open 1-5 year: $500
Additional Deposits: Not allowed
Withdrawals of Principal: Allowed
Withdrawals of Dividends: Allowed
Automatically Renewable: 5 days grace |
| Early Withdrawal Penalty
1 year term or less: 31 Days
2 year term or more: 90 Days |
|
| Savings
Certificate Monthly Anticipated Dividend August 7, 2008-August
25, 2008 |
| Rate Structure |
Dividend Rate |
Annual Percentage Yield |
Six Months
|
2.80%
|
2.80%
|
1
Year
|
2.96%
|
3.00%
|
| 2 Year |
3.20% |
3.25% |
| 3 Year |
3.35% |
3.40% |
| 4 Year |
3.45% |
3.50% |
| 5 Year |
3.69% |
3.75% |
| Dividend
Type of Rate: Fixed
Calculation Method: Daily
Compounding Frequency: None
Dividends Paid/Period: Monthly
Dividends Paid to Savings: Yes
Closed Account: Dividends Paid |
Conditions
Minimum Deposit to Open 6 month: $1000
Minimum Deposit to Open: $500
Additional Deposits: Not Allowed
Withdrawals of Principal: Allowed
Withdrawals of Dividends: Allowed
Automatically Renewable: 5 days grace |
| Early Withdrawal Penalty
1 year or less: 31 Days
2 years or More: 90 Days |
|
| IRA
Certificates Dividend August 7, 2008-August 25, 2008 |
| Rate Structure |
Dividend Rate |
Annual Percentage Yield |
| 1 Year |
2.96% |
3.00% |
| 2 Year |
3.20% |
3.25% |
| 3 Year |
3.35% |
3.40% |
| 4 Year |
3.45% |
3.50% |
| 5 Year |
3.69% |
3.75% |
| Dividend
Type of Rate: Fixed Calculation Method: Daily Compounding Frequency: Monthly Dividends Paid/Period: Monthly Dividends Paid to Savings: No
Closed Account: Dividends Paid |
Conditions
Minimum Deposit to Open: $5,000.00 Additional Deposits: Not Allowed Withdrawals of Principal: Allowed Withdrawals of Dividends: Allowed
Automatically Renewable: 5 Days Grace |
|
| Jumbo IRA Certificates |
| Rate Structure |
Dividend Rate |
Annual Percentage Yield |
| 1 Year - 5 Years |
Call
770-270-7851 |
Call
770-270-7851 |
|
| Dividend
Type of Rate: Fixed
Calculation Method: Daily
Compounding
Frequency: None
Dividends Paid/Period: None
Dividends Paid to Savings: No
Closed Account: Dividends Paid
|
Conditions
Minimum Deposit to Open: $100,000.00
Additional Deposits: Not allowed
Withdrawals of Principal: Allowed
Withdrawals of Dividends: Allowed
Automatically Renewable: No
|
|
| Jumbo Certificates |
| Rate Structure |
Dividend Rate |
Annual Percentage Yield |
| 1 Year - 5 Years |
Call
770-270-7851 |
Call
770-270-7851 |
|
| Dividend
Type of Rate: Fixed
Calculation Method: Daily
Compounding
Frequency: None
Dividends Paid/Period: Monthly
Dividends Paid to Savings: No
Closed Account: Dividends Paid
|
Conditions
Minimum Deposit to Open: $100,000.00
Additional Deposits: Not Allowed
Withdrawals of Principal: Allowed
Withdrawals of Dividends: Allowed
Automatically Renewable: No
|
| Early Withdrawal Penalty
1 year or less: 31 Days
2 years or More: 90 Days
|
|
|
|
|
|
