ACCOUNT
TYPE

DIVIDENDS

BALANCE REQUIREMENTS

ACCOUNT LIMITATIONS

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule are share 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 Business Savings, Business Basic Checking, Classic Business Checking and Business Checking Plus accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors.  For Business Money Market Plus account, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors.  The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.  The Money Market account is a Tiered Rate account.  If your balance is $2,500.00 to $4,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply for this account.  If your account balance is $5,000.00 to $9,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $10,000.00 to $24,999.99 the third Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $25,000.00 or $49,999.99, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. If your account balance is $50,000.00 or $99,999.99, the fifth Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $100,000.00 or greater, the sixth Dividend Rate and Annual Percentage Yield listed for this account will apply.  Once a particular balance range is meet, the Dividend Rate and Annual Percentage Yield for that balance will apply to the full balance in your account. 

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 an account earns dividend credit.  The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4.  Accrual of Dividends.  For all accounts, with exceptions to checking accounts, dividends will begin to accrue on deposits 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, no charge for overdraft protection, no limit on debit card usage. For all accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period.  If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield.  For all accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day. 

6. Account Limitations.  For Savings accounts Reg. D transaction limitation requirements do apply.  For Checking accounts, account limitations may apply.  For Money Market accounts no more than 6 pre-authorized automatic or telephone transfers from this account to another account of yours or to a third party in any month and no more than 3 of these 6 transfers may be made by check or draft to a third party.  (Reg. D requirement)

7. *Check Cashing Fee Exemptions.  The check cashing fee exemption will apply if you are 55 years of age or older, 17 years of age or younger, have a balance of $100.00 or more in savings, are making a transaction on an account or have more than one service with the credit union.

Business Membership Share Account Fees Inactive Share Account fee   $10.00 per quarter Deposited Item charge $.25 per item over 50 per month Business Basic Checking Account Fees Deposited Item charge   $.25 per item over 50 per month Business Classic Checking Account Fees Monthly Service charge $15.00 per month if minimum balance is not met Deposted Item charge $.25 per item over 150 per month Business Checking Plus Account Fees Monthly Service charge $25.00 per month if minimum balance is not met Deposted Item charge $.25 per item over 500 per month   Business Money Market Plus Account Fees Over 3 checks in one month $15.00 per check   Other Service Fees (applicable to all accounts) Account Reconciliation / Research fee $15.00 per hour Statement copy fee $2.00 per statement Deposited Item Return fee $5.00 per item Wire Transfer (outgoing) fee $15.00 per transfer Collection Items   Incoming domestic/foreign $10.00 per item Outgoing domestic $10.00 per item Outgoing foreign $20.00 per item Western Union wires fee varies based upon destination Wire Transfers   Credit Union to Credit Union $5.00 per transfer International Wires   (Outgoing) fee $35.00 per transfer Domestic wires $15.00 per transfer Currency strap $.40 per strap Coin Roll order $.05 per roll Money order  $.50 per money order Gift check $2.50 per gift check VISA Gift card $2.00 per gift card Travelers checks $1.00 per $100 Travelers checks for two $2.00 per $100 Travelers Fund card  $15.00 Electronic Gift card $4.00 Cashier’s check $1.00 per check Mail withdrawal Check fee $1.00 per check Replacement Vinyl bag $5.00 per bag Lock bag $30.00 per bag Lock Bag Key Replacement $5.00 per pair Photocopy of original check $3.00 per item Stop payment on Corporate or Cashiers' check $25.00 per item Goldleaf ACH Annual fee $25.00 Goldleaf ACH File Transmission fee (Credit or Debits) $10.00 per month Goldleaf ACH Transaction fee $.25 per transaction ACH return $25.00 per item VISA Debit card replacement $5.00 per card ATM card replacement $5.00 per card Stop payment on ACH item $25.00 per item FedEx check withdrawal $15.00 per check Credit Union check $1.00 per check Inquiry or Transaction Telephone Transfer fee $1.00 per transfer Check cashing (exemptions do apply) $5.00 per check Electronic Funds Transfer Fees Non proprietary ATM withdrawal/transfer First 3 Free per month; Additional $1.00 per transaction Replacement Card / Lost PIN  $5.00 per card Rush order VISA Check card $80.00 per card & PIN VISA check card chargeback $30.00 for good charge Receipt copy of VISA Check card transaction  $18.00 each Safe Deposit Fees Annual rental: 3” x 5” $15.00 3” x 10” $30.00 5” x 10” $40.00 10” x 10” $65.00 Loss of one (1) key  $30.00 Drilling of box $60.00 Late payment  $10.00 The fees appearing in this schedule are accurate and effective for accounts as of the last dividend declaration date and could reduce earnings. If you have any questions or require current fee information on your accounts, please call 713-844-1100 or contact us via email to.

The rates appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date (March 20, 2008) indicated on this Rate and Fee Schedule.  If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.   

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