Signature Loans: may be in addition to existing "Money Sale" loans
* Must be a member of the credit union for six months

Limited to ONE free withdrawal per month except for educational expenses. There is a $5.00 dollar per withdrawal charge after the ONE free withdrawal. All withdrawals for educational purposes are free.

Variable Rate Accounts: The dividend rate and annual percentage yield may change every three months as determined by the credit union's board of directors.

Nature of Dividends: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Once again, dividends can vary.

Compounding: Dividends will be compounded quarterly (every three months) and credited quarterly (every three months). The dividend period is three months. The beginning date, ending date, and the dividend declaration dates are as follows:

Effect of Closing an Account: If you close your account before dividends are paid, you will be paid the dividends accrued.

Minimum Balance Requirements: In addition to the minimum balance requirements listed above you must purchase a minimum of $5.00 to join the credit union. To earn the annual percentage yield disclosed you must maintain the minimum balance indicated for each day of the dividend period. You will not earn dividends for any day that your account balance drops below the minimum listed above.

How Dividends are Calculated: Dividends are calculated using the daily balance method. This method applies daily periodic rates to the balance in the account each day.

When Dividends Begin to Accrue: Dividends begin to accrue on cash and non-cash deposits, such as checks; on the business day you make your deposit.

Nontransferable/Nonnegotiable: Your credit union account is nontransferable and nonnegotiable; The funds in your account may not be pledged to secure any obligation except with this credit union.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty when the account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

Renewal Policy: On share certificate accounts, your account will automatically renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to make additional deposits to the account or withdraw funds (subject to minimum balance restrictions) from the account without being charged an early withdrawal penalty.

Nontransferable/Nonnegotiable: Your share certificate account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation except with this credit union.