Notices, Terms & Conditions

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. 

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

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.

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.

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

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.

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

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.

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. 

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.

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 Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.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.

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

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.

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.

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.

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.

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

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.

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.

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.

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.

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

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.

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.

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.

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.