• History and Mission Statement
• Privacy Policy
• Account Disclosures

TRUTH-IN-SAVINGS-ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts.

1. Rate Information.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  For Regular Share and IRA Share accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the credit union’s board of directors.  Checking accounts do not earn dividends.  For Christmas Club accounts, the dividend rate and the annual percentage Yield may change annually as determined by the credit union’s board of directors.
   
   
2. Nature of Dividends.  Dividends are paid from current income and available earnings after required transfers to reserves at he end of the dividend period.
   
   
3. Dividend Compounding and Crediting.  The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule.  The Dividend Period is the period of time at the end of which and account earns dividend credit.  The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration which is set forth in the Rate Schedule.
   
   
4. Accrual of Dividends.  For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.  For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
   
   
5. Balance Information.  The minimum balance requirements applicable to each account are set forth in the Rate Schedule.  For checking accounts, there is a minimum balance required to avoid a service fee for the dividend period.  If the minimum balance is not met, there will be a service fee as set forth on the “Fee Schedule”.  For all accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the dividend period.  If the minimum balance is not met, you will not earn the stated Annual percentage Yield.  For all accounts dividends are calculated by 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 the number of days in the period.
   
   
6. Account Limitations.  For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after November 1 and the account will remain open.  If you withdraw any of the account balance at any time, we may impose a fee of all accrued, uncredited dividends on the account and your account will be closed.  You may make transfers or withdrawals in the first seven days after the account is opened without restriction.  For Regular Share, IRA Share, and Checking Accounts, no account limitations apply.

Your savings federally insured to $250,000 by NCUA
National Credit Union Administration, a U.S. Government Agency