Account Disclosure Rate Supplement
This supplement is incorporated into, becomes a part of, and should be attached to Your Agreements and Disclosures.
The Annual Percentage Yields and corresponding Dividend Rates for each Account are shown below.
Effective Date: 10/01/2024
Variable Rate
| Account Type | Balance |
Annual |
Dividend Rate |
|---|---|---|---|
| Regular Savings (1)(2) | Less Than $200.00 $200.00 - $999.99 $1,000.00 - $2,499.99 $2,500.00 & Greater |
0.00% 0.10% 0.10% 0.10% |
0.00% 0.10% 0.10% 0.10% |
| Special Savings (1)(2) | Less Than $200.00 $200.00 - $999.99 $1,000.00 - $2,499.99 $2,500.00 & Greater |
0.00% 0.10% 0.10% 0.10% |
0.00% 0.10% 0.10% 0.10% |
| IRA Savings (1)(2) | $0.00 - $999.99 $1,000.00 - $4,999.99 $5,000 & Greater |
0.15% 0.25% 1.01% |
0.15% 0.25% 1.00% |
| Daily Cash Account (DCS) (1)(2) | $2,500 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000 & Greater |
0.20% 0.20% 0.44% 0.64% 0.90% |
0.20% 0.20% 0.44% 0.635% 0.90% |
| Christmas Club (1)(2) | Less Than $200.00 $200.00 - $999.99 $1,000.00 - $2,499.99 $2,500.00 & Greater |
0.00% 0.10% 0.10% 0.10% |
0.00% 0.10% 0.10% 0.10% |
| Checking Plus (1)(2) | Less Than $1,000.00 $1,000.00 - $2,499.99 $2,500.00 & Greater |
0.00% 0.10% 0.15% |
0.00% 0.10% 0.15% |
Fixed Rate
| Account Type | Minimum Balance Requirements |
Term | Annual Percentage Yield |
Dividend Rate |
|---|---|---|---|---|
| Term Share Certificate (3) | $10,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $5,000.00 $500.00 |
3 month 6 month 12 month 18 month 30 month 9 month 7 month |
1.01% 1.02% 1.51% 2.02% 2.53% 4.18% 5.27% |
1.00% 1.01% 1.50% 2.00% 2.50% 4.10% 5.15% |
| IRA Term Share Certificate (3) | $1,000.00 | 24 month | 3.04% | 3.00% |
| Save to Win Term Share Certificate (3) | $1,000.00 | 12 month | 0.50% | 0.50% |
| Head Start Term Share Certificate (3) | $25.00 | 6 month | 0.705% | 0.70% |
- For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of 08/01/2024. These Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by Our Board of Directors.
- All deposited funds earn the rate for the tier.
- For the purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of the effective date shown herein. For more current rates, please call (800) 762-7419.
Schedule of Fees and Charges
Savings Account Fees
- Minimum Account Opening Deposit: $5.00
- Negative Balance Fee: $25.00
- Christmas Club Early Withdrawal Fee: $15.00 if withdrawn before November 1
- Dormant Account Fee (no activity for 1 year and no current address): $10.00 per month
- Paper Statement Fee for Active Home Banking Users: $2.00 per month
Checking Account Fees
- NSF Fee: $25.00 per item
- Returned Item Fee: $25.00 per item
- Stop Payment Fee: $25.00 per request
- Check Printing Fee: Prices vary with style
- Checking Plus Fee: $3.00 per month
- First Step Checking Fee: $8.00 per month
Other Service Fees (applicable to all accounts)
- Account Reconciliation Fee: $25.00 per hour
- Statement Copy Fee: $5.00 per copy
- Deposited Item Return Fee: $25.00 per item
- Items Sent for Collection Fee: $25.00 per item
- Account Reopen Fee: $25.00
- Cashier’s Check Fee (under $500.00): $2.00 per check
- Money Order Fee: $1.50 per money order
- Travelers Check Fee: $1.00 per $100.00
- Check Copy Fee: $5.00 per copy
- Automatic Overdraft Transfer Fee: $2.00 per transfer after three (3) transfers per month
- Automatic Bill Payer Plus Fee: $5.95 per month
- International Wire (outgoing) Fee: $47.00 per wire
- Domestic Wire (outgoing) Fee: $20.00 per wire
- Western Union (outgoing) Fee: $20.00 per wire
- Western Union (outgoing) Intl Fee: $47.00 per wire
- Credit Union to Credit Union (outgoing) Fee: $20.00 per wire
- Garnishment/Levy Fee: $20.00
- Loan Modification Fee: $50.00
- Loan Refinance Fee: $100.00
- Non-Member Check Cashing Fee: $5.00 per item
- Credit Line Account Overdraft Fee: $25.00
- Negative Balance Fee: $25.00
- PIN Replacement Fee: $5.00
- Skip-a-Payment Fee: $40.00
Electronic Funds Transfer Fees
- Nonproprietary ATM Withdrawal Fee: $0.75 per withdrawal
- NSF Fee: $25.00
- Replacement Card Fee: $15.00