Truth in Savings Disclosure

Accurate as of December 01, 2013

If you have any questions or need current rate and fee information, please call us. This Disclosure and Rate and Fee Schedule apply to the following account types:

Regular Shares / Special Shares / IRA s

RATE INFORMATION: As of the last dividend declaration date, if your average daily balance was more than $ 100.00 but less than $ 5,000.00, the dividend rate paid on the entire balance in your account was 0.01 %, with an annual percentage yield (APY) of
0.01 %.

As of the last dividend declaration date, if your average daily balance was more than
$ 5,000.00, but less than $ 10,000.00, the dividend rate paid on the entire balance in your account was 0.02 %, with an annual percentage yield (APY) of 0.02 %.

As of the last dividend declaration date, if your average daily balance was more than
$10,000.00, the dividend rate paid on the entire balance in your account was 0.15 %, with an annual percentage yield (APY) of 0.15 %.

The dividend rate(s) and APY(s) may change every quarter based on the determination of the Credit Union Board of Directors.

NATURE OF DIVIDENDS: Dividends are paid from the current income and available earnings after required transfers to reserves at the end of a dividend period.

COMPOUNDING AND CREDITING: Dividends will be compounded quarterly and will be credited quarterly. If you close your account before dividends are paid, you will not receive the accrued dividends.

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.

MINIMUM BALANCE REQUIREMENTS: The minimum balance required to open any of these account types is $ 25.00.

You must maintain a minimum average daily balance of $ 100.00 in your account to obtain the disclosed annual percentage yield.

The par value of a share in this credit union is $ 25.00.

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.

ACCRUAL OF DIVIDEND ON NON-CASH DEPOSITS: Dividends will begin to accrue on the business day you place non-cash items (e.g. checks) to your account.

FEE AND CHARGES: The following fees and charges may be assessed against your account:

Account Closing in 90 day Fee: $25.00 Per Item
Statement Copy Fee: $5.00 Per Copy
Overdraft Transfer Fee: $5.00 Per Item
Draft Return – Non Sufficient Funds (NSF) Fee: $35.00 Per Item
ACH Return Item Fee: $35.00 Per Item
Photocopy of Paid Draft Item: $2.00 Per Item
Debit Card Re-Order: $10.00 Per Item
Stop Payment Fee: $35.00 Per Item
Account Balancing & Research (1 hr min fee): $25.00 Per Hour
3rd Party Deposited Item Return: $25.00 Per Item
Member Deposited Item Return: $35.00 Per Item
Re-Open Account Fee: $25.00 Per Item
Excessive WithDrawal Fee (over 6): $10.00 Per Month
Account Inactivity Fee (starts at 11 months): $25.00 Per Month
Debit Card Foreign Transaction Fee: $3.00 Per Item
Returned Mail Fee: $5.00 Per Item
Check Cashing Fee (balances below $100, no other services)
- Checks less than $100: $2.00/check
- Checks 100 or more: $5.00/check
Legal Process: $150.00 per legal process
Temp Checks: Not offered
Skip-a-pay: Coming soon

TRANSACTIONS LIMITATIONS: During any statement period, you may not make more than six (6) 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, 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 and a fee of $ 5.00.

These fees are subject to change without notice.