Showing general rates

Promotional Savings Instant Access Savings Rewards	Effective Date : TBD
Account	Dividend Rate	APY¹	Min. Opening Balance	Min. Avg. Daily Balance to Avoid Fee	Dividend Compounded & Credited	Dividend Period
Instant Access Savings Rewards
$0.01 - $4,999.99	0.05%	0.05%	$5,000.00	NA	Monthly	Monthly
$5,000 - $24,999.99	0.05%	0.05%	$5,000.00	NA	Monthly	Monthly
$25,000 - $49,999.99	0.05%	0.05%	$5,000.00	NA	Monthly	Monthly
$50,000 - $74,999.99	0.05%	0.05%	$5,000.00	NA	Monthly	Monthly
$75,000 - $149,999.99	1.98%	2.00%	$5,000.00	NA	Monthly	Monthly
$150,000 - $249,999.99	1.98%	2.00%	$5,000.00	NA	Monthly	Monthly
$250,000 - $499,999.99	2.37%	2.40%	$5,000.00	NA	Monthly	Monthly
$500,000 +	2.37%	2.40%	$5,000.00	NA	Monthly	Monthly

1= Annual Percentage Yield

TRUTH-IN-SAVINGS DISCLOSURE

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.

Compounding and crediting - We compound and credit your dividends monthly.

Dividend period - For the above account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same date pattern. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Minimum balance requirements:

We list the minimum balance required to open an account on our rate sheets.

Daily balance computation method - We calculate dividends by the daily balance method, which applies a daily periodic rate to your daily account balance.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit non-cash items (for example, checks) to your account.

Transaction limitations - Applies only to Savings accounts. As required by Federal Reserve Regulation D, you may not make more than six withdrawals or transfers to your credit union account or to a third party by means of a preauthorized or automatic transfer, overdraft, Online and Mobile Banking, telephone order or instructions during any statement period.

Bylaw requirements:

You must complete payment of one share in your Membership Savings account as a condition of your membership.

Nature of dividends - We pay dividends from current income and available earnings, after reserve transfers at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).)

Please refer to our rate sheet for current dividend rates and annual percentage yield information and to our fee schedule for additional information about charges.

Applies To Instant Access Savings Rewards Account Only
Promotional Account

Once opened, the account will remain for a period of 6 months. After 6 months the account will automatically convert to the standard Instant Access Savings account. Please refer to our Savings rate sheet for current dividend rates and annual percentage yield information.

Qualification requirements:

· Account must be opened with a Premier Financial Representative

· New Money – New money must be deposited from any outside financial institution; transfers between First Tech accounts or its affiliates will not qualify.

· Limit – One Instant Access Savings Rewards Account per member

National Credit Union Share Insurance Fund - Your credit union accounts are federally insured by the National Credit Union Share Insurance Fund.

Fee schedule

We may assess the following fees against your account. The following transaction limitations, if any, apply to your account.

Account activity printout ................................................................................................................................................... $1.00

Account balancing assistance........................................................................................................................... $25.00 per hour

Account research............................................................................................................................................... $25.00 per hour

American Express check dispensing machine................................................................................................................. 1%

ATM cash withdrawal or inquiry from non-proprietary ATMs in excess of six during a month (does not apply to Dividend Rewards Checking)............................................................................................................................................................................... $2.00

ATM deposit adjustment..................................................................................................................................................... $5.00

Cashier’s check..................................................................................................................................................................... Free

Check orders and re-orders............................................................................................................................................... (Fee depends on style and quantity ordered)

Check copy............................................................................................................................................................................ $2.00

Deposit verification.............................................................................................................................................................. Free

Fed Ex Overnight................................................................................................................................................................. $20.00

Foreign item fee................................................................................................................................................................... $15.00

Legal actions, garnishments, executions or levies.......................................................................................................... $50.00

Nonsufficient funds (Returned NSF Items)*.................................................................................................................... $28.00

Online BillPay expedited payment.................................................................................................................................... $30.00

Overdraft (Paid NSF Items)*............................................................................................................................................... $28.00

Payment or deposit over the telephone from non-First Tech debit or credit card................................................. $10.00

Returned deposited item.................................................................................................................................................... $10.00

Safe deposit box

3 x 5............................................................................................................................................................................ $23.00

3 x 10.......................................................................................................................................................................... $45.00

5 x 5............................................................................................................................................................................ $46.00

5 x 10.......................................................................................................................................................................... $58.00

10 x 10....................................................................................................................................................................... $97.00

Box drilling......................................................................................................................................................................... $200.00

Lock change.......................................................................................................................................................................... $10.00

Key deposit............................................................................................................................................................................ $16.00

Specialized letters................................................................................................................................................................ $25.00

Statement copy (prior to most recent)............................................................................................................................. $3.00

Stop payments (each check, BillPay, ACH, cashier’s check).......................................................................................... $20.00

Uncollected Funds (returned items)................................................................................................................................. $28.00

Temporary check (available for new checking accounts)............................................................................................. Free

International Transaction/Currency Conversion fee..................................................................................................... 1% of purchase amount (applies to debit and ATM transactions outside of the U.S)

Wire transfer (domestic outgoing).................................................................................................................................... $15.00

Wire transfer (foreign outgoing)....................................................................................................................................... $40.00

* This fee applies to the following categories of transactions: share draft, check, ACH or other electronic means

Business Account Fees:

Business Instant Access monthly fee (waived if average daily balance is $5,000 or more).................................... $10.00

Business Dividend Checking (waived if average daily balance is $5,000 or greater) .............................................. $15.00

Overdraft transfer fee (per transfer from a business savings account) .................................................................... $4.00

Simple Business Checking (waived if average daily balance is $1,000 or greater) .................................................. $6.00

Consumer Loans Fees:

Late payment....................................................................................................................................................... … up to $25.00

Returned payment............................................................................................................................................................... $28.00