Truth-in-Savings Disclosure

Savings Accounts
Super Money Market
Club Accounts

Savings Accounts
Rate Information:
The dividend rate and annual percentage yield may change every dividend period. We may change dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting:
Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Period:
For this account type the dividend period is monthly, for example, the beginning date of the first calendar year is January 1st, and the ending date of such dividend period is January 31st. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example able in January 31st. If you close your account before dividends are paid you will not receive the accrued dividends.

Minimum Balancing Requirements:
The minimum required to open this account id the purchase of one share in the credit union. You must maintain a minimum average daily balance of $25.00 in your account to avoid a par value fee of $2.00 once during the statement cycle. You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.

Average Daily Balance Computation Method:
Dividends are calculated by the average daily balance method that applied 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 figured by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of Dividends on Noncash Deposits:
Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction Limitations:
The maximum automated teller withdrawal we allow is $500.00 per day. The above withdrawal limitation applies to this account in combination with Checking and Line of Credit accounts. During any statement period, you may not make more than six (6) withdrawal or transfers to another credit union account of yours or a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six (6) transfers maybe check, draft debit card (if applicable), or similar order to at 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.

Par Value of a Share:
The par value of a share in this account is $25.00.

Fees and Charges:
An excess share withdrawal fee of $1 will be charged for each teller withdrawal in excess if two (2) during the month.

Super Money Market
Rate Information:
The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting:
Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend Report:
For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1st, and the ending date of such dividend period is January 31st. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements:
The minimum balance required to open this account is $2,500.00. You must maintain a minimum average daily balance of $2,500.00 in your account to avoid a minimum balance fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a minimum balance fee of $5 once during the statement cycle. If the account falls below $2,500 for two (2) months, the balance will be transferred to your Savings account. You must maintain a minimum average daily balance of a $100 in your account to obtain the disclosed annual percentage yield.

Average Daily Balance Computation Method:
Dividends are calculated by the average daily balance method that applies a periodic rating to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance of the account each day of the period and dividing that figured by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of Dividends on Noncash Deposits:
Dividends will begin to accrue on the business day you place noncash (for example: checks) to your account.

Transaction 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 telephone order or instruction. No more than three (3) 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.

Club Accounts (Christmas, Vacation, IRA)
Rate Information:
The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and Crediting:
Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend Period:
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 1st, and the ending date of such dividend period is March 31st. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements:
You must maintain a minimum average daily balance of $100 in your account to obtain the disclosed annual percentage yield.

Average Daily Balance Computation Method:
Dividends are calculated by the average daily balance method that 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. The period we use is the quarterly statement cycle.

Accrual of Dividends on Noncash Deposits:
Dividends will begin to accrue on the business day you place noncash items (for example: checks) to your account.

Transaction Limitations:
You may not make any withdrawals or transfer to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instructions, or similar order to a third party.