*** College Savings Certificate available to Fat Cat & Cool Cat members only. The dividend rate and interest rate may change at any time without prior notice. *A check order fee is automatically deducted from your Checking Account depending on the style of checks ordered. As with all charges, this fee is reflected on your monthly statement. **Free EBP for: members age 65+ with Senior Checking & CU Online; Members age 18+ with a Checking Account, CU Online, Direct Deposit & eStatements. ***Should research of your account indicate an error made by this Credit Union, there will be no charge for this service.Deposit Rates
Rates are effective as of February 4, 2012
Type Minimum Balance Dividend Rate Annual Percentage Yield Dividend Compounded Regular Share 25.00 .25% .25% Monthly Fat Cat Account 5.00 .25% .25% Monthly Cool Cat Account 5.00 .25% .25% Monthly Savings Supreme 5,000-9,999.99 0.25% 0.25% Monthly Savings Supreme 10,000-24,999.99 0.40% 0.40% Monthly Savings Supreme 25,000-49,999.99 0.55% 0.55% Monthly Savings Supreme 50,000-74,999.99 0.70% 0.70% Monthly Savings Supreme 75,000-99,999.99 0.85% 0.85% Monthly Savings Supreme 100,000 & Over 1.00% 1.00% Monthly Christmas Club 25.00 0.25% 0.25% Quarterly Vacation Club 25.00 0.25% 0.25% Quarterly IRA Savings Acct 25.00 0.25% 0.25% Monthly Money Market 25.00-999.99 0.05% 0.05% Monthly 1000-4,999.99 0.10% 0.10% Monthly 5,000-9,999.99 0.15% 0.15% Monthly 10,000-24,999.99 0.25% 0.25% Monthly 25,000-49,999.99 0.35% 0.35% Monthly 50,000-74,999.99 0.45% 0.45% Monthly 75,000-99,999.99 0.55% 0.55% Monthly 100,000 & Over 0.55% 0.55% Monthly
Cerificates of Deposit
Type Minimum Balance Dividend Rate Annual Percentage Yield Dividend Compounded 3 Month 1,000.00 0.30% 0.30% Monthly 5 Month 1,000.00 0.35% 0.35% Monthly 6 Month 1,000.00 0.50% 0.50% Monthly 7 Month 1,000.00 0.50% 0.50% Monthly 8 Month 1,000.00 0.50% 0.50% Monthly 9 Month 1,000.00 0.50% 0.50% Monthly 10 Month 1,000.00 0.50% 0.50% Monthly 11 Month 1,000.00 0.50% 0.50% Monthly 12 Month 1,000.00 0.80% 0.80% Monthly 12 Month *** 500.00 0.80% 0.80% Monthly 13 Month 1,000.00 0.85% 0.85% Monthly 14 Month 1,000.00 0.85% 0.5% Monthly 15 Month 1,000.00 0.85% 0.85% Monthly 18 Month 1,000.00 0.90% 0.90% Monthly 21 Month 1,000.00 0.95% 0.95% Monthly 24 Month 1,000.00 1.24% 1.25% Monthly 30 Month 1,000.00 1.34% 1.35% Monthly 36 Month 1,000.00 1.39% 1.40% Monthly 48 Month 1,000.00 1.59% 1.60% Monthly 60 Month 1,000.00 1.885% 1.90% Monthly
IRA Certificates of Deposit
Type Minimum Balance Dividend Rate Annual Percentage Yield Dividend Compounded 5 month 500.00 0.35% 0.35% Monthly 6 Month 500.00 0.50% 0.50% Monthly 7 Month 500.00 0.50% 0.50% Monthly 8 Month 500.00 0.50% 0.50% Monthly 9 Month 500.00 0.50% 0.50% Monthly 10 Month 500.00 0.50% 0.50% Monthly 11 Month 500.00 0.50% 0.50% Monthly 12 Month 500.00 0.80% 0.80% Monthly 13 Month 500.00 0.85% 0.85% Monthly 14 Month 500.00 0.85% 0.85% Monthly 15 Month 500.00 0.85% 0.85% Monthly 18 Month 500.00 0.90% 0.90% Monthly 21 Month 500.00 0.95% 0.95% Monthly 24 Month 500.00 1.24% 1.25% Monthly 30 Month 500.00 1.34% 1.35% Monthly 36 Month 500.00 1.39% 1.40% Monthly 48 Month 500.00 1.59% 1.60% Monthly 60 Month 500.00 1.885% 1.90% Monthly
*** Periodic deposits of $25 or more are accepted.
A penalty will or may be imposed for early withdrawals.
Ask an employee for further information about fees and terms applicable to the accounts.
Fee Schedule Effective January 1, 2011
Item Cost Am. Express Travelers Cheques 1% of purchase ATM withdrawal fee (over 8 each) $ 1.00 Bank check payable to 3rd party $ 2.00 Cancelled check copy (each) $ 1.50 Cancelled check faxed copy (each) $ 3.00 Check order* $ - Debit card replacement $10.00 Electronic Bill Payment 10 payments $ 4.95/month (additional payments) $ .30/ea Medallion Signature Guarantee $25.00 Missing Address/Undeliverable Mail Fee $1.00/mo Money order $ 2.00 Negative Account Balance Fee $10.00/mo Nonsufficient funds fee (each) $25.00 Outgoing wire transfer fee $10.00 Overdraft transfer fee (each) $ 5.00 Research work or account reconciliation $20.00/hr (minimum 15 minutes) $ 5.00 Returned cashed item $ 2.50 Deposit return item (each) $2.50 (Except for business accounts and checks drawn on your account elsewhere) $15.00/each Safe deposit key replacement $25.00 Statement copy (each) $ 5.00 Stop payment request (each) $15.00 Tax levy-attachment $25.00 Transfer fee (under $100.00) $ 1.00 Uncollected funds fee (each) $25.00 Wire transfer incoming $ 5.00 Wire transfer domestic $10.00 Wire transfer foreign $25.00 
