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Business Savings and Checking
Account Rates: Effective July 1, 2010
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 |
0.20 |
0.20 |
$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 + |
0.30
0.40
0.50
0.60
0.65
|
0.30
0.40
0.50
0.60
0.65
|
$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
0.30
|
0.10
0.10
0.10
0.10
0.10
0.30
|
$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 July 1, 2010
| 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 + |
0.45
0.50
0.55
0.60
|
0.45
0.50
0.55
0.60
|
$500 |
Monthly |
Saver Certificate
(12-24 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
0.75
0.80
0.85
0.90
|
0.75
0.80
0.85
0.90
|
$500 |
Monthly |
Capital Certificate
(24-36 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
1.25
1.30
1.35
1.40 |
1.26
1.31
1.36
1.41 |
$500 |
Monthly |
Investment Certificate
(36-48 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
1.80
1.85
1.90
1.95
|
1.81
1.87
1.92
1.97
|
$500 |
Monthly |
Portfolio Certificate
(48-60 Months)
$500 -
$9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.25
2.30
2.35
2.40 |
2.27
2.32
2.38
2.43 |
$500 |
Monthly |
*Annual Percentage Yield
Truth in Savings Disclosures
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Business Fee Schedule: Effective July 1, 2010
| 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
(first statement free; each additional) |
$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) |
$2.00 |
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 |
$20.00 |
NSF Member Check, NSF
ATM Deposit/Withdrawal, NSF ACH Debit |
$25.00 |
Overdraft Protection
Transfer |
$3.00 |
Photocopy of Paid Member
Check or CU-Issued Check |
$3.00 |
Per Cleared Check Fee
(First 50 free; per cash withdrawal after first 20)
(coin order over $100)
|
$0.25
$3.00 |
Per Cash Deposit (First
20 free; per deposit after first 20) |
$0.25 |
Per Check Deposit (First
20 free; per deposit after first 20)
(per deposit with over 100 checks) |
$0.25
$3.00 |
Stop Payment Order |
$20.00 |
ATM Services |
Fee |
ATM Card - Replacement
Card |
$6.00 |
PIN Request |
$3.00 |
Miskeyed ATM Deposits
- Each |
$10.00 |
ATM Withdrawals - First
8 free per calendar month; each additional) |
$1.50 |
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