Fee Schedule

Truth-In-Savings

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In Savings Disclosure are share accounts.

1. Rate Information – The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on the account based on the dividend rate and frequency of compounding for an annual period. For all share accounts except Certificates, the annual percentage yield may change at any time as determined by the Credit Union Board of Directors. The effective annual percentage yields are reflected in the Rate Schedule.

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

3. Dividend Compounding and Crediting– The compounding and crediting of dividends and the dividend period applicable to each account are set forth in the Rate Schedule. The dividends period is the period of time at the end of which an account earns dividend credit. 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– For all earning accounts, dividends will begin to accrue on noncash deposit (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. However, for Holiday Club accounts, any accrued dividends will be paid if you close the account within (7 days) of the date you opened it.

5. Balance Information– To open any account, you must deposit or already have on deposit at least the par value of one full share in the Regular Share or EZ Share account. The par value is $25.00. The minimum balance requirements applicable to each account are set forth in the Rate Schedule.

If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using an average daily balance method, dividends are calculated be applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by number of days in the period.

6. Account Limitations– Money Market, Holiday Club, Vacation Club and Individual Retirements accounts, are allowed no more than (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For a Holiday Club account, the entire balance will be paid to you by check or transferred to another account of yours on or Before November 1, and the account will remain open. For the 1st withdrawal from your account, you will be charged a fee equal to all dividends credit to your account since the account was opened or renewed for New Year. The renewal period is November 1st. If a second withdrawal is made, you will be charged a fee $5.00 and the account will be closed. However, no fee will be charged if the withdrawal occurs within (7) seven days of the date the account is opened. For Money Market accounts, you may make three (3) withdrawals from your account each month. If you exceed this limitation, you will be charged a fee as disclosed in the Fee Schedule.

7. Fees for Overdrawing Accounts– Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available withdrawal, transfer or paying a check, draft, or item. You may consult the Funds Availability Policy Disclosure for information.

Effective 12-01-25