 |
Business Savings and Checking
Account Rates: Effective May 1, 2008
| 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 |
0.55 |
0.55 |
$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 + |
1.95
2.25
2.50
2.70
2.90
|
1.97
2.27
2.53
2.73
2.94 |
$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 + |
0.20
0.45
0.75
1.00
1.20
1.40 |
0.20
0.45
0.75
1.00
1.21
1.41 |
$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 May 1, 2008
| Business
Certificate Accounts |
Dividend Rate |
APY* |
Minimum Opening
Balance |
Dividends Compounded
& Credited |
Market
Certificate (6-12 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.25
2.35
2.45
2.55
|
2.27
2.38
2.48
2.58 |
$500 |
Monthly |
| Saver
Certificate (12-24 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.40
2.50
2.60
2.70
|
2.43
2.53
2.63
2.73 |
$500 |
Monthly |
Capital
Certificate (24-36 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.60
2.70
2.80
2.90
|
2.63
2.73
2.84
2.94 |
$500 |
Monthly |
| Investment
Certificate (36-48 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
2.85
2.95
3.05
3.15
|
2.89
2.99
3.09
3.20
|
$500 |
Monthly |
Portfolio
Certificate (48-60 Months)
$500 - $9,999.99
$10,000 - $39,999.99
$40,000 - $99,999.99
$100,000 + |
3.15
3.25
3.35
3.45 |
3.20
3.30
3.40
3.51 |
$500 |
Monthly |
Equity Options
Certificate (60 Month)
$25,000+ |
3.25 |
3.30 |
$25,000 |
Monthly |
*Annual Percentage Yield
Truth in Savings
Disclosures
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Business Fee Schedule Effective: May
1, 2008
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 tp $10,000) |
$30.00 |
| Western Union Cash Transfer
-- international |
up to $500=$35; over $500=$60 |
Checking
& Savings Accounts |
Fee |
| 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 check after first 50) |
$0.10 |
Per Cash Withdraw (First 20
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 |
$25.00 |
|
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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