REGULAR SHARE TRUTH IN SAVINGS DISCLOSURE
Rate Information:
As of ________ , the dividend rate was __________% and the annual percentage yield (APY) was __________% on your regular share account. The dividend rate and APY may change every quarter as determined by the credit union board of directors.  
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example, is March 31. If you close your regular share account before dividends are credited, you will not receive accrued dividends.
Minimum Balance Requirements and Fees:
The minimum balance to open this account is the purchase of a $5 share in the credit union. Within 6 months you must have a balance of $50 to maintain membership. The minimum balance to earn dividends is $50. 
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your accounteach day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
The following transactions are limited to six per month:
*Automatic or preauthorized transfers from this account, including transfers to other share accounts, overdraft transfers and preauthorized payments to a third party such as your insurance company, utility company, etc.
*Transfers from this account made with the telephone, including those calls you make to a credit union employee to conduct a transfer. (Certain fees may apply)
There are no limitations on the number of transactions:
*ATM
*To your credit union loan account
*As direct deposit allocations to family members' accounts at the credit union, over the counter withdrawals and requests for withdrawals by phone or mail are limited to three (3) per month without a charge. Additional withdrawals within a calendar month will be available for a charge of $1 each. If you exceed the transfer limitations set forth above in any month, your account will be subject to closure by the credit union or to a fee of $1 per item.  
The board of directors may require 60 days advance notice of your intention to withdraw shares.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. 
  
MONEY MARKET CHECKING TRUTH IN SAVINGS DISCLOSURE
Rate Information:
As of ________ the dividend rate was ______% and the annual percentage yield (APY) was ______% on your money market draft account. The dividend rate and APY may change every quarter as determined by the credit union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example, is March 31.
Minimum Balance Requirements and Fees:
There is no minimum balance requirements for this account, however, you must make an initial deposit of $1,000 to open this account. If the balance in this account falls below $1,000 at any time during a calendar month you will be charged $7.
The Board of Directors may require 60 days advance notice of your intention to withdraw shares. 
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
Withdrawal transactions on this account are limited to six per month. This includes check/draft, EFT, ATM, or over the counter. If you exceed the transfer limitations set forth above in any month, you will be charged a fee of $5 per item.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Fees:
The following fees and charges may be assessed:
  • If your balance is less than $1,000 during any calendar month your account will be charged $7
  • $5 per withdrawal in excess of six per month Refer to services and fees schedule for a complete listing of fees and charges.

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. 
We do business in accordance
with the Federal Fair Housing
Law and the Equal Credit
Opportunity Act.
Your Savings Federally insured to at least $250,000
and backed by the National Credit Union
Administration, a U.S. Government Agency.
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Disclosures
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