Abandoned Accounts | If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Comptroller by June 25, 2024. Click here for more details.

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Type Dividend Rate (%) APY* (%) Minimum to Open
Share Savings 0.20 0.20 $5.00
IRA Savings 0.20 0.20 $100.00
Plus Share Draft (Checking) 0.10 0.10 None
50+ Share Draft (Checking) 0.10 0.10 None
Rewards Share Draft (Checking) 0.15 0.15 None

*APY= Annual Percentage Yield

Fees could reduce earnings on this account. Dividends do not apply to Absolutely Free Checking Accounts. The rate of variable-rate accounts may change after the account is opened. Effective June 26, 2023

Amount Dividend
Rate(%)		 APY*(%)
$0.00-$1,999.99 0.20% 0.20%
$2,000.00-$24,999.99 0.40% 0.40%
$25,000.00-$49,999.99 0.50% 0.50%
$50,000.00-$499,999.99 0.60% 0.60%
$500,000.00 and greater 1.24% 1.25%

*APY= Annual Percentage Yield

Fees could reduce earnings on this account. Effective April 1, 2024

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Type Dividend Rate (%) APY* (%) Minimum to Open for
IRA Share Certificate		 Minimum to Open for
Share Certificate
91-Day
(Tier 1)		 2.50 2.53 $1,000.00 $1,000.00
91-Day
(Tier 2)		 2.60 2.63 $50,000.00 $50,000.00
91-Day
(Tier 3)		 2.70 2.74 $99,000.00 $99,000.00
6-Month (Tier 1) 3.50 3.56 $1,000.00 $1,000.00
6-Month (Tier 2) 3.60 3.67 $50,000.00 $50,000.00
6-Month (Tier 3) 3.70 3.77 $99,000.00 $99,000.00
12-Month (Tier 1) 4.50 4.60 $1,000.00 $1,000.00
12-Month (Tier 2) 4.60 4.71 $50,000.00 $50,000.00
12-Month (Tier 3) 4.70 4.81 $99,000.00 $99,000.00
24-Month (Tier 1) 3.34 3.40 $1,000.00 $1,000.00
24-Month (Tier 2) 3.44 3.50 $50,000.00 $50,000.00
24-Month (Tier 3) 3.54 3.60 $99,000.00 $99,000.00
36-Month
(Tier 1)		 3.25 3.30 $1,000.00 $1,000.00
36-Month
​(Tier 2)		 3.35 3.41 $50,000.00 $50,000.00
36-Month
​(Tier 3)		 3.45 3.51 $99,000.00 $99,000.00
60-Month (Tier 1) 3.49 3.55 $1,000.00 $1,000.00
60-Month (Tier 2) 3.59 3.66 $50,000.00 $50,000.00
60-Month (Tier 3) 3.69 3.76 $99,000.00 $99,000.00

*APY= Annual Percentage Yield

A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account. Effective April 1, 2024

Service Fee
Inquiry/ATM Cash Withdrawal from Account(s) No Transaction Fee at 5Point ATMs;
$2.00 (at non 5Point ATMs)
Transfer Funds from Account(s) to Another Account at ATM No Transaction Fee at 5Point ATMs;
$2.00 (at non 5Point ATMs) 
Counter Check $5.00 per 12
Cashier's Check $5.00
Overdraft Protection Automatic Transfer $5.00 per Transfer
Nonsufficient Funds Item (each) $30.00
Account Activity Printout $3.00
Account Research $20.00 per Hour ($20 minimum charge)
Account Balancing Assistance $20.00 per Hour ($20 minimum charge)
Stop payments (all items) $25.00
Outgoing domestic wire transfer $20.00 per Wire
Copy of Check
(Free electronic copies available within home banking)		 $2.00 (2 free per month)
Tax Information
(Free electronic copies available within home banking)		 $3.00
Copy of a Statement
(Free electronic copies available within home banking)		 $5.00
Return Statement for Incorrect Addresses $5.00 per Statement
Debit/Credit Card Replacement $10.00
Collection Item Domestic: $20.00 per Item
Photocopies $0.25 Each
Home Banking FREE
Bill Payer FREE
Mobile Banking FREE
SMS Banking FREE
NSF/Overdraft/Return Item/Uncollected Funds $30.00
ATM/Debit Card Overdraft $30.00
ACH NSF/Overdraft/Return Item/Uncollected Funds $30.00
PayItNow NSF/Return Item/Uncollected Funds $25.00 per Item (in addition to credit union $30.00 uncollected funds fee)
Overdraft $30.00
Pre-Auth EFT Nonsufficient Funds Item $30.00
Post Dated Item $25.00
Deposited Item Return $10.00 per Item
Shared Branch Deposited Item Return $15.00 in Addition to the Credit Union's $10.00 per Item
Account Closure $25.00/ Primary Account if Closed within 6 Months
Home Banking/Electronic PC NSF Fee: $25.00 (in addition to credit union $30.00 NSF fee)
Stop Payment Fee: $25.00
CD Payment History Order $25.00
Change Order Fee $2.50 per Order
Legal Fees (includes levies, writs & garnishments) $50.00 plus Cost per Request
Returned Deposited Item from Member  $20.00

Effective June 26, 2023

Type Minimum to Open/ Minimum to Earn Stated APY* Prospective Dividend Rate (%) APY (%)
Business Savings $5.00 0.20 0.20
Business Money Market $0.00 - $1,999.99 0.20 0.20
  $2,000.00 - $24,999.99 0.40 0.40
  $25,000.00 - $49,999.99 0.50 0.50
  $50,000.00 - $499,999.99 0.60 0.60
  $500,000.00 and greater 1.24 1.25

*APY= Annual Percentage Yield

Effective April 1, 2024

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Account Type Minimum Balance
Requirements		 Term Prospective
Dividend Rate		 APY (%)
Business Term Share
(fixed rates)		 $1,000.00 91 Day 2.50% 2.53%
  $50,000.00 91 Day 2.60% 2.63%
  $99,000.00 91 Day 2.70% 2.74%
  $1,000.00 6 Month 3.50% 3.56%
  $50,000.00 6 Month 3.60% 3.67%
  $99,000.00 6 Month 3.70% 3.77%
  $1,000.00 12 Month 4.50% 4.60%
  $50,000.00 12 Month 4.60% 4.71%
  $99,000.00 12 Month 4.70% 4.81%
  $1,000.00 24 Month 3.34% 3.40%
  $50,000.00 24 Month 3.44% 3.50%
  $99,000.00 24 Month 3.54% 3.60%
  $1,000.00 36 Month 3.25% 3.30%
  $50,000.00 36 Month 3.35% 3.41%
  $99,000.00 36 Month 3.45% 3.51%
  $1,000.00 60 Month 3.49% 3.55%
  $50,000.00 60 Month 3.59% 3.66%
  $99,000.00 60 Month 3.69% 3.76%

*APY= Annual Percentage Yield

A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account. Effective April 1, 2024

Service Fee
Account Closure - Savings (if closed within 6 months) $25.00/Account Closed
Account Activity Printout $3.00/Printout
Account Reconciliation ($20.00 minimum) $20.00/Hour
Account Research ($20.00 minimum) $20.00/Hour
Automatic Transfer $5.00/Transfer
Cashier Check $5.00/Check
Cash Deposited (Free, Basic, and Small Business Checking) No Charge for 1st $5,000/Month ($1.50/additional $1,000)
Change Order Fee $2.50/Order
Counter Check $5.00/12 Checks
Debit Card/Credit Card Replacement $10.00/Card
Excessive Withdrawal Fee for Business Savings & Money Market Accounts (for each check, draft, or debit card withdrawal in excess of 6 per calendar month) $15.00/Occurrence
Item Sent for Collection $20.00/Item
Investment Sweep $5.00/Month
Line of Credit Sweep $5.00/Month
NSF (share draft, ACH, pre authorized EFT) $30.00/Item
Nonproprietary ATM/Debit Card Withdrawal, Transfer, Inquiry $2.00/Item
Outgoing Wire Transfer (domestic) $20.00/Transfer
Overdraft (share draft, ACH, ATM/debit card) $30.00/Item
Photocopy $0.25/Copy
Photocopy of Check (2 free per month) $2.00/Request
Returned Deposited Item $10.00/Item
Returned Deposited Item (shared branch) $15.00/Item in Addition to the Credit Union $10.00 Fee
Returned Item (share draft, ACH) $30.00/Item
Returned Statement $5.00/Statement
Statement Copy $5.00/Copy
Stop Payment $25.00/Item
Uncollected Funds $30.00/Item
ZBA Lead $5.00/Month
ZBA (non-lead) $5.00/Month
Returned Deposited Item from Member $20.00

Business Home Banking
Non-Sufficient Funds (in addition to CU NSF $30.00 fee) $25.00/Item
Stop Payment $25.00/Request
CD Payment History Order $25.00/Request

Night Depository Fees
Lock Bag $25.00 Each
Key Replacement for Lock Bag $5.00 Each
Key Replacement for Night Depository $5.00 Each

Minimum Balance Fees
Basic Business Checking $10.00/Month
Small Business Checking $15.00/Month

Transaction Fees
Free Business Checking (1st 50 transactions free each month) $0.25/Transaction
Basic Business Checking (1st 250 transactions free each month) $0.25/Transaction
Small Business Checking (1st 500 transactions free each month) $0.25/Transaction

Minimum Balance Requirement to Avoid a Fee
Basic Business Checking $2,000.00
Small Business Checking $5,000.00

Transaction Limitations
Business Term Share Additional Deposits Not Allowed
Business Term Share Withdrawal Penalty for all Principle Funds Withdrawn before Maturity
Business Share/Money Market See Section 7B Transfer Limitations in the Business Membership and Account Agreement

Term Share Early Withdrawal - Penalty Schedule
Terms of 12 Months or Less 30 Days' Dividends
Terms of Greater than 12 to 24 Months 180 Days' Dividends
Terms of Greater than 24 Months 360 Days' Dividends

Effective June 26, 2023

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