Truth in Savings Disclosure

Dividend Rate and APY (Annual Percentage Yield)
See Rates for details.

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

Dividends will be compounded daily and credited quarterly. 
All other dividend periods will follow this pattern of dates.  The dividend date is the date the credit union's board of directors declares a dividend for the preceding dividend period.  The dividend declaration will be at the end of each quarter.

Effect of Closing an Account
If you close your account before dividends are paid, you will not be paid the accrued dividend for the period.

Minimum Balance Requirements
To join this credit union, you must purchase a $25.00 share.
To open a share account, you must have a minimum deposit of $25.00.

How Dividends are Calculated
Dividends are calculated using the average daily balance method.  This method 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 then dividing that figure by the number of days in the period.

Accrual of Dividends
Dividends begin to accrue on the date of deposit to your account.

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

Transaction Limitations
You may make no more than six electronic transfers or withdrawals from your account each month.

Member accounts in the Credit Unions are federally insured by the National Credit Union State Insurance Fund (NCUSIF) up to $250,000.00 per account.

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