     |
|
| |
Annual Percentage |
| TERM |
RATE |
YIELD |
| 36 MONTHS |
3.35% |
3.39% |
| 24 MONTHS |
3.20% |
3.24% |
| 18 MONTHS |
3.10% |
3.14% |
| 12 MONTHS |
2.95% |
2.98% |
| 6 MONTHS |
2.85% |
2.88% |
| 3 MONTHS |
2.75% |
2.78% |
| There is a penalty for early withdrawals on CDs, Minimum Deposit for all terms is $500.00 |
| Dividend Rates |
Premier Share Accounts
(Effective 4/1/08) |
$.01-$2,500 -- 0.25% APR
$2,500.01 - $10,000 -- 0.50% APR
$10,000.01 - $25,000 -- .75% APR
$25,000.01 & above -- 1.25% APR |
| Share Draft Accounts |
0.25% APR |
| IRA Rates |
TERM |
APR |
APY |
| $1,000 minimum |
12 MONTHS |
3.00% |
3.03% |
| |
24 MONTHS |
3.10% |
3.14% |
| |
36 MONTHS |
3.20% |
3.24% |
| |
48 MONTHS |
3.30% |
3.34% |
| |
60 MONTHS |
3.50% |
3.55% |
S/C Educational
($500 minimum) |
12 Months |
3.00% |
3.03% |
| Share IRA |
n/a |
2.75% |
2.78% |
| |
PREMIER SHARE ACCOUNT |
HOLIDAY CLUB |
VACATION CLUB |
SHARE DRAFT ACCOUNT |
| Dividends Compounded |
Quarterly |
At Maturity |
At Maturity |
Quarterly |
| Dividends Credited |
Quarterly |
At Maturity |
At Maturity |
Quarterly |
| Dividend Period |
Calendar Quarter |
Term of Account |
Term of Account |
Calendar Quarter |
| Minimum Opening Deposit |
$25.00 |
$5.00 |
$5.00 |
$200 |
| Minimum Balance to Avoid A Service Fee |
None |
None |
None |
$200 |
| Minimum Balance to Earn The Stated APR |
None |
None |
None |
$500 |
| Balance Method |
Average Daily Balance |
|
|
Average Daily Balance |
| |
None |
Account withdrawal and Deposit limitations apply |
Account withdrawal and Deposit limitations apply |
None |
| Copy of Processed Draft Fee |
$4 per draft |
| NSF Fee |
$30 per item |
| NSF Reversed |
$10 per item |
| Overdrafts |
$7 per item |
| Deposited Item Returned |
$30 per item |
| Share Draft Printing Fee |
Prices vary by style |
| Share Draft Minimum Account Balance Fee |
$4 monthly if minimum balance not maintained |
| Stop Payment Fee |
$15 per item |
| Stop Payment of Check Series |
$25 |
| Stop Payment Renewal |
$5 per item |
| Stop Payment Release |
$5 per item |
| Certified Check |
$5 per item |
| Uncollected Funds |
$20 per item |
| ACH Debit Returned Item |
$30 |
| ACH Overdraft |
$7 |
| ACH Stop Payment |
$15 |
| Nonfunctional Card Replacement Fee |
$5 |
| Lost Card Replacement Fee |
$10 |
| Reset Pin Fee |
$2 |
| PIN Mailer |
$3 |
| Account Reconciliation Fee |
$25 per hour |
| Account Research Fee |
$25 per hour |
| Account Closure Fee |
$5 per account closed |
| Balance Certification Letter |
$5 per account |
| Deposited Item Return Fee |
$30 per item |
| Early Withdrawal, Close Club Fee |
$20 |
| Foreign Item Collection |
$30 |
| Inactive Account Fee |
$5 per month, after 6 months of inactivity & less than $100 on deposit |
| Interim Statement Fee |
$5 per statement |
| Loan Application Fee |
$7.50/$15.00 joint applicaton |
| Refinane Loan w/o money advance |
$25 |
| Lien Release Letter |
$5 |
| IRS Levy |
$25 |
| Money Order Fee (up to $1,500) |
$1 per item |
| Money Order -- Copy of Paid M.O. |
$5 |
| Money Order -- Stop Payment |
$15 |
| Statement Copy Fee |
$5 per copy |
| Teller Check Payable To Third Party |
$5 |
| Teller Check -- Copy of Paid Check |
$5 |
| Teller Check -- Stop Payment |
$15 |
| Western Union Money Transfer |
$20 per item |
| Wire Transfer (outgoing) Fee |
$20 per item |
| Escheat Fee |
$50 |
| Returned mail |
$3 |
| Fax Request |
$1 |
| Online Banking |
FREE |
| Automated Teller (609) 520-7225 |
FREE |
| Reset Password |
$1 |
| Effective October 3, 2008, your savings insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government.
Effective April 1, 2006, Traditional and Roth IRAs (Individual Retirement Accounts) are insured to $250,000 by the
National Credit Union Administration, an agency of the U.S. Government. We do business in accordance with the
Federal Fair Housing Law and the Equal Credit Opportunity Act.
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