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Notices, Terms & Conditions

Don't Be Fooled

Have you heard of phishing? This is one of the fastest growing frauds today. It typically involves a bogus e-mail message that uses materials that appear legitimate from an institution or a web site. The con artists sends a bogus e-mail that appears to be from the site and on the surface appears to be legitimate. This e-mail requests personal information such as a social security number, account number or credit card number. Many companies have seen their web site graphics, including corporate logos and other materials stolen by fraudsters intent on stealing information from unsuspecting individuals.

Precautions to take:

Never respond to e-mail that asks for personal financial information.

  • ACFCU will never send an e-mail asking you to enter personal information directly into the e-mail or reply with personal information.
  • ACFCU will never threaten to close your account if you don't reply.
  • Agencies or vendors affiliated with ACFCU will not call you on the telephone and ask you to verify or provide account information that has been lost.

If you receive a suspicious email, contact the institution or company that is requesting information. Make sure to use a web address that you know is correct. NEVER USE THE LINK ENCLOSED IN THE EMAIL!

Contact the Internet Crime Complaint Center at www.ifccfbi.gov - a partner ship between the FBI and the National White Collar Crime Center if you think you have received a phishing email.

If You Have Been PHISHED:

Examine carefully...If you believe that you have provided private information through a phishing scam immediately contact those companies for which you provided sensitive information.

Contact all three credit bureaus and request that a fraud alert be put on your credit report. Phone numbers for these companies are:

Equifax - 1-800-525-6285
Experian - 1-888-397-3742
TransUnion - 1-800-680-7289

 

Truth-in-Savings Disclosure: Share Savings Account

Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Current rates
Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. 
Dividend Period: 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 follows the ending date of a dividend period. For the example above, is April 1.  
Minimum Balance Requirements:

The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information.

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. 

Daily Balance Computation Method: Dividends are calculated by the daily balance method  which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. 
Transaction Limitations: During any statement period, you may not make more than six withdrawals or transactions to another credit union account of ours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.
Par Value of a Share: The par value of a share in this account is $25.00. 
Fees and Charges: An excessive withdrawal fee of $2.00 will be charged for each withdrawal in excess of three during the month. 


Truth-in-Savings Disclosure: Share Draft Account

Minimum Balance Requirements:

The minimum required to open this account is the purchase of drafts.

Transaction Limitations: If you exceed six overdrafts in one month, then this account may be closed.

 

Truth-in-Savings Disclosure: Money Market Plus+ Account

Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Current rates
Compounding and Crediting: Dividends will be credited to your account every month.
Dividend Period: For this account type, the dividend period is monthly, 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 January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period. For the example above is February 1.
Minimum Balance Requirements:

The minimum balance required to open and earn dividends on this account is $1,000.00. If balance falls below the required minimum of $1,000.00 any one day during the statement period, there may be a $10.00 fee imposed.

Daily Balance Computation Method: Dividends are calculated by the daily balance method  which applies a daily periodic rate to the balance in the account each day. 
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to you account.
Transaction Limitations: During any statement period, you may not make more than 4 withdrawals or transfers. No more than 3 withdrawals or transfers may be made by check. The minimum amount for deposits and withdrawals is $500.
Par Value of a Share: The par value of a share in this account is $25.00.

 

Truth-in-Savings Disclosure: Youth Account

Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors.  Current rates
Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. 
Dividend Period: 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 follows the ending date of a dividend period, and for example above is April 1. If you close your account before the dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements:

The minimum balance required to open this account is $25.00. You must maintain a minimum daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method  which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. 
Transaction Limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or a third party by means of telephonic order or instruction or similar order to a third party.  If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par Value of a Share: The par value of a share in this account is $25.00. 
Bonus: Please refer to our plan covering special awards.

 

Truth-in-Savings Disclosure: Christmas Club Account

Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Current rates
Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. 
Dividend Period: 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 follows the ending date of a dividend period. For the example above is April 1.
Minimum Balance Requirements:

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.
Transaction Limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order or third party.

If any withdrawal is made from this account before the end of the club term, then this account may  be closed.


 

Truth-in-Savings Disclosure: Vacation Club Account

Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. Current rates
Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. 
Dividend Period: 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 follows the ending date of a dividend period. For the example above is April 1.
Minimum Balance Requirements:

You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.
Transaction Limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order or third party.

If any withdrawal is made from this account before the end of the club term, then this account may  be closed.


 

Truth-in-Savings Disclosure: IRA Share Savings Account

Rate Information: The dividend rate and the annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the Credit Union Board of Directors. Current rates
Compounding and Crediting: Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. 
Dividend Period: 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 follows the ending of a dividend period, and for the example above is April 1. If you close your account before dividends are paid , you will not receive the accrued dividends.
Minimum Balance Requirements:

The minimum required to open this account is the purchase of a share ($25.00) in the Credit Union. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. 

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations: You may not make any withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.
Par Value of a Share: The par value of a share in this account is $25.00.

 

Truth-in-Savings Disclosure: IRA Share Certificate Account

Rate Information: Call or click here for current rate.
Compounding and Crediting: Unless otherwise paid, dividends will be compounded every quarter.
Dividend Period: For this account type, the dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date. 
Minimum Balance Requirements:

The minimum balance required to open this account is $250.00.

You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividend will begin to accrue on the business day you place non cash items (for example, checks) to your account.
Transaction Limitations:

After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before maturity only if we agree at the time you requested the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You cannot withdraw dividends from your account before maturity.

Time Requirements:

Your account will mature depending on the term of you share certificate.

Early Withdrawal Penalties:

A penalty will be imposed for withdrawals prior to maturity.  The early withdrawal penalty for this account will be an amount equal to (6) six months interest on the amount withdrawn subject to penalty plus a $25.00 service fee.   If the Term Share Certificates original term is six (6) months or less in duration the penalty will be an amount equal to 50% of the interest the certificate would have earned if it went to maturity, plus the $25.00 service fee. This penalty could result in a reduction of the principal balance. 

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of Dividends Prior to Maturity: The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account:

This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend-bearing account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

By-law Requirements: You must complete payment of one share in your Share Savings account as a condition of admission to membership.
National Credit Union Share Insurance Fund: Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

 

Truth-in-Savings Disclosure: Share Certificate Account

Rate Information: Call or click here for current rate.
Compounding Frequency: Dividends will be compounded every quarter.
Crediting Frequency: Dividends will be credited to your account every quarter.
Dividend Period: For this account type, the dividend period is quarterly.
Minimum Balance Requirements:

The minimum balance that is required to open this account is $500.00. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations:

After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of the principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You cannot  withdraw dividends from your account before maturity.

Time Requirements:

Your account will mature depending on the term of your share certificate.

Early Withdrawal Penalties:

A penalty will be imposed for withdrawals prior to maturity.  The early withdrawal penalty for this account will be an amount equal to (6) six months interest on the amount withdrawn subject to penalty plus a $25.00 service fee.   If the Term Share Certificates original term is six (6) months or less in duration the penalty will be an amount equal to 50% of the interest the certificate would have earned if it went to maturity, plus the $25.00 service fee. This penalty could result in a reduction of the principal balance.

In certain circumstances such as death or incompetence of the owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of Dividends Prior to Maturity: This annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account:

This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

Grace Period: You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.
By-law Requirements: You must complete payment of one share in your Share Savings account as a condition of admission to membership. Par value of a share in this account is $25.00.
National Credit Union Share Insurance Fund: Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

 

Truth-in-Savings Disclosure: Jumbo Share Certificate Account

Rate Information: Call or click here for current rate.
Compounding Frequency: Dividends will be compounded every quarter.
Crediting Frequency: Dividends will be credited to your account every quarter.
Dividend Period: For this account type, the dividend period is quarterly.
Effect of Closing an Account: If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements:

The minimum balance that is required to open this account is $10,000.00. You must maintain a minimum daily balance of $10,000.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Dividends on Noncash Deposits: Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.
Transaction Limitations:

After the account is opened, you may not make additions into the account until the maturity date stated on the account.

You may make withdrawals of the principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

You cannot  withdraw dividends from your account before maturity.

Time Requirements:

Your account will mature depending on the term of your share certificate.

Early Withdrawal Penalties:

A penalty will be imposed for withdrawals prior to maturity.  The early withdrawal penalty for this account will be an amount equal to (6) six months interest on the amount withdrawn subject to penalty plus a $25.00 service fee.   If the Term Share Certificates original term is six (6) months or less in duration the penalty will be an amount equal to 50% of the interest the certificate would have earned if it went to maturity, plus the $25.00 service fee. This penalty could result in a reduction of the principal balance.

In certain circumstances such as death or incompetence of the owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of Dividends Prior to Maturity: This annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
Automatically Renewable Account:

This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend bearing account.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

Grace Period: You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.
By-law Requirements: You must complete payment of one share in your Share Savings account as a condition of admission to membership. Par value of a share in this account is $25.00.
National Credit Union Share Insurance Fund: Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.
 

Truth-in-Savings Disclosure: Common Features

By-law Requirements: You must complete payment of one share in your Regular Share Savings account as a condition of admission to membership. If the balance in your Regular Share Savings account falls below $25.00, you may be terminated from membership immediately.
Transaction Limitations:

We reserve the right to at any time require not less than seven (7) days notice in writing before each withdrawal from any interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of Dividends:

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

National Credit Union Share Insurance Fund:

Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

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Board of Directors:

President
  Sharon Paullin
Vice President
  Mark Holsinger
Secretary
  Edna Cox
Treasurer
  Dan O’Connell
Board member
 Ronald Atkinson
Board Member
  Robin Larue-Beasley
Board Member 
 


Staff Members:

CEO/Manager
  Dan O’Connell
COO
  Bobbie Chokenea
Lead Teller
  Kerri Schaub
Loan Officer
  Jade Behrendsen
Teller