Truth In Savings Disclosure Information contained in this page is correct as of July 18, 2007.  All disclosures, rates, terms, fees and conditions are subject to change at any time.

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated in the common features section.

The dividend period is monthly.  For example, if you open your account on January 1, the dividend period will be January 31.  All other dividend periods follow this same pattern of dates until maturity.

Accrual of Dividends on Non Cash Deposits
Dividends will begin to accrue on the business day that you deposit non-cash items (checks are non cash items) to your account.

Minimum Balance Requirements
You must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Transaction Limitations
You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction, or similar order to a third party.  If any withdrawal is made from this account before the end of the term then this account must be closed.

Fees and Charges
If this account is closed before the end of the term, a $5.00 charge will be incurred.

Rate Information
The dividend rate and annual percentage yield may change every dividend period based on credit union earnings. We may change the dividend rate for your account at any time based on market conditions and rates. 

Dividend Period
For Money Market Accounts the dividend period is monthly. For example, the beginning date for the first dividend period of the calendar year is January 1, and the ending date of the dividend period is January 31. Posting date of dividends is the last day of the month. All other dividend periods follow this pattern.

Minimum Balance Requirement
You must maintain a minimum balance of $10,000.00  in your account to obtain the disclosed average daily annual percentage yield.

Accrual of Dividends on Non Cash Deposits
Dividends will begin to accrue on the business day that you deposit non-cash items (checks are non cash items) to your account.

Rate Information
We may change the dividend rate and annual percentage yield on Wednesday of each week.   The dividend rate and annual percentage yield may change based on credit union earnings. We may change the dividend rate for your account weekly based on market conditions and rates.

Compounding and Crediting
Dividends will be compounded on a calendar month and will be credited monthly and at maturity.  If you close your certificate account before dividends are credited you will receive accrued dividends.

Dividend Period

The dividend period is monthly.  For example, if you open your account on January 1, the dividend period will be January 31.  All other dividend periods follow this same pattern of dates until maturity.

Early Withdrawal
If you close your account prior to maturity there will be a dividend penalty assessed, which at no time will exceed dividends accrued or paid. Penalty would be assessed at the following rate:

Up to 12 Months - 30 Days Dividend
Over 12 Months - 90 Days Dividend

Minimum Balance Requirement
You must maintain a minimum balance of $500 in your account to obtain the disclosed annual percentage yield.  The Share Par (Participating) in this credit union is $5.00

Accrual of Dividends on Non Cash Deposits
Dividends will begin to accrue on the business day that you deposit non-cash items (checks are non cash items) to your account.

Transaction Limitations
After the account is opened you may not make deposits into or withdrawals other than earnings from this account until the maturity date stated on the certificate. See early withdrawal restrictions above.

Renewal
Your Certificate Account will automatically renew at maturity at the then current rate for a like term certificate. The credit union will mail you a written notice 30 -days prior to maturity of Certificate Accounts. You will have a 10 day grace period following maturity date to withdraw funds in the account without a penalty.

Minimum Balance Requirements
The amount needed to open an account, and the average daily balance you must maintain in an account to earn dividends.

Transaction Limitations
The credit union may from time to time amend rules governing deposits, transactions, fees, charges and withdrawals.

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

Bylaw Requirements
Membership in credit union is a requirement for any service. Minimum Par (Participating) value of a share in credit union is $5, to be deposited in a regular share account. Members must maintain an amount equal to one share in an account at all times. Members are bound by such rules and requirement as may be set from time to time by the Board of Directors. The credit union may require members to give written notification not more than 60 days) of intent to withdraw funds. No member may withdraw funds pledged as security for any loan, except as permitted by credit union. The credit union may restrict withdrawals if a member is delinquent on any primary or contingent liability to the credit union.

Account Insurance
Member accounts are federally insured to $100,000 by the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the United States Government.