Savings Rates

(Effective Date: January 1, 2023)

(Effective Date: January 1, 2023)

(Effective Date: January 1, 2023)

(Effective Date: January 1, 2023)

(Effective Date: January 2, 2023)

As explained in the MSA, Our Rates & Service Charges disclosure applies to all the accounts we offer. Except as specifically described, the following terms apply to all of the accounts you have with us.

1. Rate Information

   The Dividend Rate and Annual Percentage Yield on the accounts are identified above. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change at any time in the discretion of the Credit Union.

   Savings and Money Market accounts are tiered rate accounts. For these accounts, when the account balance is within the specified range for a tier, the Dividend Rate specified for that tier will apply to the entire balance in the account.

   Christmas Club accounts are also Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.

   For Certificate Accounts, the Dividend Rate and Annual Percent-age Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. Nature of Dividends

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

3. Compounding and Crediting

   Dividends will be compounded and credited as identified above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends

   Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to an account you have with us. If you terminate the account before accrued dividends are credited, accrued dividends will not be paid with the exception of term certificates which pays out the accrued dividends along with the imposed penalty at the time of closure.

5. Balance Information

   The minimum balance required to start each account and earn the stated Annual Percentage Yield is identified above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated by using the Daily Balance method, which applies a daily periodic rate to the balance in the account each day.

6. Account Limitations

   For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account with us on or after October 31 and the account will remain open. If any withdrawal is made from this account before the end of the club term, you will be assessed a service charge as shown in the Service Charge schedule.

7. Certificate Account Features

   1. Account Limitations

      After you start the account, you may not make additional deposits to a Certificate Account except for “Thinkahead” Term Share Certificates and Youth Term Share Certificates. For Thinkahead and Thinkahead Plus, you may not deposit more than $2,000 in any one month, or more than $24,000 in one year. Dividends are not paid on amounts deposited in excess of these limits. For ThinkFurtherAhead, you may not deposit more than $1,000 in any one calendar year, or more than $18,000 total. Dividends are not paid on amounts in excess of this limit. Only one “Thinkahead” Term Share Certificate of any type is allowed per social security number. Thinkahead Term Share Certificates are only available to members with Wise Checking accounts. Thinkahead Plus Term Share Certificates are only available for members with Wise Checking PLUS accounts. ThinkFurtherAhead Term Share Certificates are only available to members under the age of 18.

   2. Maturity

      The Certificate Account you have with us will mature on the maturity date identified on your Account Receipt or Renewal Notice.

   3. Early Withdrawal Penalty

      We may impose a penalty if you withdraw any of the principal of the Term Share Certificate before the maturity date.

      i. Amount of Penalty. Our penalties are on earned dividends only and are equal to the lesser of: (1) all dividends earned since the account opening date or renewal date or (2) 90-days dividends.

      ii. How the Penalty Works. The penalty is calculated on the amount of early withdrawal. If earned dividends are insufficient to satisfy the penalty, the penalty will be deducted from the principal balance.

      iii. Exceptions to Early Withdrawal Penalties. Thinkahead, Thinkahead Plus and ThinkFurtherAhead Term Share Certificates are not subject to early withdrawal penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an owner on an account dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 59½ or becomes disabled and begins making periodic withdrawals.

   4. Renewal Policy

      Term Share Certificates are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Thinkahead, Thinkahead Plus Term Share Certificates are not renewable. At maturity, funds in the account transfer to a Share Savings Account that you designate.

   5. Nontransferable/Nonnegotiable

      The account(s) you have with us is/are nontransferable and nonnegotiable. This means that an account and the funds in the account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

© 2023 All Goals Solutions & Farleigh Wada Witt. All rights reserved. Reproduction prohibited without written permission from All Goals Solutions.

ORSC • 01-01-23 • 3

Checking Accounts

• Wise Checking - $6.00

• Wise Checking Plus+ - $12.00

• Basic Checking - Free

• Check Order - At Cost

• Temporary Checks (Four checks) - $4.00

• Non-Member Check Cashing - $15.00

ATM/Visa Debit Card

• Card Replacement (First Request) - Free

• Card Replacement (Second Request in a Calendar Year) - $15.00

• Card Reactivation - $15.00

• International Transactions - 1.0% of transaction amount

  This charge applies to any debit card transaction made at a location in a foreign country or payable to a merchant located in a foreign country, even if you initiate the transaction from within the United States.

• Rush Order for Card or Pin Replacement - $40.00

Withdrawals and Transfers

• Foreign ATMs - $3.00

Copy Charges

• Personal Check (Two free per statement period) - $5.00

• Official Check (per copy) - $5.00

• Statement Copy (per month) - $5.00

General Service Charges

• Quick Cash Loan Application - $20.00

• Account Research (per hour) - $40.00

  (when not due to Credit Union error)

• Official Checks - $5.00

• Money Orders - $3.00

• Return Mail (per item) - $5.00

• Wire Transfers - Domestic - $25.00

• Visa Gift Cards - $5.00

• Account Conversion - $50.00

• Verification of Deposits - $10.00

• Transfers-By-Phone (Savings or Loan Transfers w/ CU Staff by phone) - $5.00 per request

• Levy/Garnishment - $100.00

• Foreign Item Deposit (Foreign Bank) - $25.00

• Coin Machine Non-Member - 12% of coin value

• Notary Services for Credit Union Members - $10.00 per signature

• Notary Services for Non-Members - $15.00 per signature

• Auto Refinance Application Fee (internal refinance) - $100.00

Non-Sufficient Funds (NSF)*

Item returned for non-sufficient funds (NSF)*, paid NSF item (overdraft privilege) and returned deposit item (deposit or loan , ATM), ATM/check or POS overdrawn charge

• Basic Checking - $25.00 per presentment

• Wise Checking - $20.00 per presentment

• Wise Checking Plus+ - $10.00 per presentment

Savings and Investments

• Christmas Club online withdrawal - Free

• Christmas Club in-branch withdrawal and/or closure - $10.00

• Inactivity Fee after 12 months (per month) - $5.00

Stop Payments - per item

• Check - $25.00

• Electronic Items - $25.00

Electronic Services

• Bill Payer Research (per hour) - $40.00 (when not due to credit union error)

*An NSF charge is imposed each time an item is presented against insuf-ficient funds. The payee (or the payee’s institution) may re-present a pre-viously returned item. Each presentment against insufficient funds will re-sult in a separate charge. Smart Start Checking accounts are not subjectto NSF charges.

Service charges listed here apply to Personal Accounts are accurate as of December 16, 2022, and are subject to change.

© 2023 All Goals Solutions & Farleigh Wada Witt. All rights reserved. Reproduction prohibited without written permission from All Goals Solutions.

ORSC • 01-01-23 • 4