Savings Rates
Last Dividend
Declaration Date:
03/03/2009
To start an account,
visit our branch office or
call us at (713) 473-9244.
ACCOUNT TYPE
|
BALANCE
|
DIVIDEND RATE/APY
|
BALANCE
REQUIREMENTS
|
|
Savings Account |
$100.00 - $2,500 |
0.50% / 0.50% |
$25
to open, $100 to
earn dividends |
|
$2,500.01 - $5,000 |
0.748% / 0.75% |
| $5,000.01 or
greater |
1.00% / 1.004% |
|
IRA |
$100
-
$2,500 |
2.00% / 2.014% |
$5.00 to open, $100
to earn dividends |
|
$2,500.01
-
$5,000 |
2.00% / 2.016% |
|
$5,000.01
and
up |
2.00% / 2.016% |
|
Money Market |
$2,500 - $5,000 |
2.10% / 2.12% |
$2,500 to open,
$2,500.01 to earn
dividends |
|
$5,000.01 or greater |
2.10% / 2.12% |
|
Christmas Club |
$5.00
-
$2,500 |
1.05% / 1.054% |
$5.00 to open, $5.00
to earn dividends |
|
$2,500.01
-
$5,000 |
1.05% / 1.054% |
|
$5,000.01
and
up |
1.05% / 1.054% |
|
Youth Account |
$5.00
-
$2,500 |
1.00% / 1.004% |
$5.00 to open, $5.00
to earn dividends |
|
$2,500.01
-
$5,000 |
1.00% / 1.004% |
|
$5,000.01
and
up |
1.00% / 1.004% |
|
Senior Account |
$5.00
-
$2,500 |
1.00% / 1.004% |
$5.00 to open, $5.00
to earn dividends |
|
$2,500.01
-
$5,000 |
1.00% / 1.004% |
|
$5,000.01
and
up |
1.00% / 1.004% |
|
Small Change |
$5.00
-
$2,500 |
1.00% / 1.004% |
$1.00 to open, $1.00
to earn dividends |
|
$2,500.01
-
$5,000 |
1.00% / 1.004% |
|
$5,000.01
and
up |
1.00% / 1.004% |
|
Share Checking |
$2,500 - $5,000 |
0.50% / 0.51% |
$50 to open,
$2,500.01 to earn
dividends |
|
$5,000.01 or greater |
0.65% / 0.652% |
|
Small Business
Checking |
$100
-
$2,500 |
1.00% / 1.004% |
$500 to open, $500
to avoid service
fee, $100
to earn dividends |
|
$2,500.01
-
$5,000 |
1.00% / 1.005% |
|
$5,000.01
and
up |
1.00% / 1.005% |
All rates quoted in
Annual Percentage Rate.
Actual rates may vary based
upon credit qualifications
and are subject to change
without prior notification.
Fee Schedule
|
SAVINGS ACCOUNT FEES |
|
Share Savings, Share
IRA, Roth IRA,
Education IRA,
Youth/Senior
Accounts |
$2.00 per withdrawal
after 6
preauthorized,
automatic or
telephone transfers
per month |
|
Money Market
Accounts Excess
Withdrawal |
$10.00 per
withdrawal after 6
preauthorized,
automatic or
telephone transfers
per month |
|
Small Change
Accounts Excess
Withdrawal |
$2.00 per withdrawal
or transfer after 2
per month |
|
CHECKING ACCOUNT
FEES |
|
Overdraft |
$1.00 per item |
| NSF |
$30.00 per item |
|
Stop Payment |
$30.00 per request |
|
Sufficient
Pay/Overdraft
Privilege |
$30.00 per item |
|
Check Printing |
Prices may vary
depending upon style |
|
Copy of Paid Check |
$5.00 per item |
|
Temporary Checks |
$4.00 per page of 4
(minimum 4) |
|
OTHER SERVICE
FEES (applicable to
all accounts) |
|
Account
Reconciliation |
$50.00 per hour |
|
Account Research |
$50.00 per hour |
|
Statement Copy |
$2.00 per statement |
|
Deposit Return Item |
$30.00 per item |
|
Third Party
Deposited Returned
Item |
$30.00 per item |
|
Wire Transfer
(Outgoing) |
$20.00 minimum |
|
Western Union Wire |
$20.00 minimum |
|
International Wire |
$50.00 minimum |
|
Cashier's Check |
$5.00 per check |
|
Credit Union Check |
$2.00 per check, 1
free per day |
|
Money Order |
$2.00 per item up to
$1,000 |
|
Travelers Check -
Single Signature |
$2.00 per $100 |
|
Travelers Check -
Multiple Signature |
$3.00 per $100 |
|
Gift Check |
$3.00 per check |
|
Stop Payment -
Corporate Check |
$30.00 per check |
|
Account History |
$2.00 per printout |
|
Home Equity |
3%
of amount financed |
|
Close Account |
$10.00 if closed
within 90 days of
opening |
|
Garnishments,
Executions, Levies |
$20.00 plus legal
fees |
|
Returned Mail |
$5.00 per item
returned |
|
Address Location |
$5.00 per search |
|
Nonmember Check
Cashing |
1%
of check amount with
minimum $20 |
|
Credit Report |
$10.00 if no loan
application |
|
ELECTRONIC FUNDS
TRANFER FEES |
|
Nonproprietary ATM
Withdrawal/Transfer/Inquiry |
$1.00 per
transaction |
|
Replacement ATM Card |
$5.00 per card |
|
Replacement VISA
Check Card |
$5.00 per card |
| PIN
Mailer |
$5.00 per
replacement |
|
Credit Card Stop
Payment |
$30.00 per item |
|
Credit Card Returned
Check |
$30.00 per item |
|
SHARE VALUE |
| Per
Value of One Share |
$25.00 |
The rates and fees appearing are accurate and effective for the date
indicated and may have
changed without notice.
If you have any questions or
require current rate
information, please
contact the Credit Union.
Please review our
Truth-in-Savings Disclosure
Statement. |
