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|
Business Savings and Checking
Account Rates: Effective February 1, 2012
Business Savings
& Checking |
Dividend Rate |
APY* |
Min Opening Balance |
Min Daily Balance |
Minimum Balance
to Avoid Fee |
Monthly Fee if
Below Minimum |
Dividend Compounded
and Credited |
Dividend Period |
Business Savings |
0.10 |
0.10 |
$5 |
$5** |
-- |
-- |
Monthly |
Monthly |
Business Money Market
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
$250,000 + |
0.10
0.19
0.24
0.34
0.39
|
0.10
0.20
0.25
0.35
0.40
|
$2,500 |
$2,500** |
-- |
-- |
Monthly |
Monthly |
Business Checking
$0.00 - $2,499.99
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - $249,999.99
$250,000 + |
0.10
0.10
0.10
0.10
0.10
0.25
|
0.10
0.10
0.10
0.10
0.10
0.25
|
$100 |
-- |
$2500 Average Daily
Balance |
$5 |
Monthly |
Monthly |
*Annual Percentage Yield
**The minimum balance required to earn interest
Truth in Savings
Disclosures
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Business Certificate Account
Rates: Effective February 1, 2012
| Business
Certificate Accounts |
Dividend
Rate |
APY* |
Min
Opening Balance |
Dividend
Compounded and Credited |
Market Certificate
(6-12 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.15
0.20
0.25
0.30
|
0.15
0.20
0.25
0.30
|
$500 |
Monthly |
Saver Certificate
(12-24 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.29
0.34
0.39
0.44
|
0.30
0.35
0.40
0.45
|
$500 |
Monthly |
Capital Certificate
(24-36 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.54
0.59
0.64
0.69
|
0.55
0.60
0.65
0.70
|
$500 |
Monthly |
Investment Certificate
(36-48 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.94
0.99
1.04
1.09
|
0.95
1.00
1.05
1.10 |
$500 |
Monthly |
Portfolio Certificate
(48-60 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
1.34
1.39
1.43
1.48 |
1.35
1.40
1.45
1.50 |
$500 |
Monthly |
*Annual Percentage Yield
Truth in
Savings Disclosures
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Business Fee Schedule:
Effective February 1, 2012
| General
Services |
Fee |
GENERAL
ACCOUNT |
Account Activity
Research (per hour minimum) |
$20.00 |
Bad Address on
Statement (per statement) |
$3.00 |
Cashier's Check |
$4.00 |
Duplicate Member
Statement / Inquiry Printout |
$4.00 |
Fax Transmission
- Domestic (per page)
Fax Transmission - International (per page) |
$1.00
$5.00 |
Collection Items |
$30.00 |
IRS Levy/Garnishments |
$25.00 |
Money Orders (each) |
$3.00 |
FOREIGN |
Canadian Checks |
$4.00 |
Foreign Bank Drafts
(foreign currency) |
$30.00 |
Foreign Bank Drafts
(US dollars) |
$15.00 |
Foreign Bank Draft
Stop Payment (each) |
$32.00 |
Other Foreign Checks
with Foreign Denomination |
$6.00 |
Other Foreign Checks
with US Dollars / Third World Foreign Checks |
$21.00 |
BOND |
Bond/Coupon Returned
Item Fee |
$45.00 |
Bond/Coupon Envelopes |
$20.00 per envelope |
Municipal Bond
Collection Fee |
$60.00 |
Redemption of US
Savings Bonds (each) |
$1.00 each / $5.00
minimum charge |
TRANSFER/WIRE |
Wire Transfers
(incoming) |
$5.00 |
Wire Transfers
(outgoing domestic) |
$16.00 |
Wire Transfers
(outgoing international) |
$35.00 |
Western Union Cash
Transfer - domestic (up to $10,000) |
$30.00 |
Western Union Cash
Transfer - international |
up to $500=$35;
over $500=$60 |
Checking &
Savings Accounts |
Fee |
| Business Checking (per
month if average daily balance falls below $2,500) |
$5.00 |
BillPay (monthly) |
$12.00 |
Cancellation of
Stop Payment |
$5.00 |
NSF Second-Party
Check |
$25.00 |
Non-Sufficient
Funds (NSF) Fee (Paid or Returned)
|
$28.00 |
Overdraft Protection
Transfer |
$1.00 |
Photocopy of Paid
Member Check or CU-Issued Check |
$3.00 |
Per Cleared Check
Fee
(First 50 free per month; per cash withdrawal after
first 20)
(coin order over $100)
|
$0.25
$3.00
|
Per Cash Deposit
(First 20 free per month; per deposit after first
20) |
$0.25 |
Per Check Deposit
(First 20 free per month; per deposit after first
20)
(per deposit with over 100 checks) |
$0.25
$3.00 |
Stop Payment Order |
$28.00 |
ATM Services |
Fee |
ATM Card - Replacement
Card |
$6.00 |
PIN Request |
$6.00 |
Miskeyed ATM Deposits
- Each |
$10.00 |
ATM Withdrawals
- First 8 free per calendar month; each additional) |
$1.50 |
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