| III. Rate Schedule - Savings and Checking Accounts |
| The rates and terms applicable to your account at
the Credit Union are provided in this Rate Schedule. The Credit Union may offer
other rates for these accounts from time to time. |
| Effective Date: |
Savings Account |
Club and Escrow Savings Account |
Regular & Gold Crown Checking Account |
Silver Money Market Account |
DIVIDENDS
Dividend Rate/Annual Percentage Yield |
View Current Rates |
View Current Rates |
No Dividends Are Paid On This Account |
View Current Rates |
| Dividends Compounded |
Quarterly |
Quarterly |
--------- |
Quarterly |
| Dividends Credited |
Quarterly |
Quarterly |
--------- |
Monthly |
| Dividend Period |
Calendar Quarter |
Calendar Quarter |
--------- |
Calendar Month |
| |
| BALANCE REQUIREMENTS |
| Minimum Opening Deposit |
$50.00 |
--------- |
--------- |
$2000.00 |
| Minimum Balance to Avoid a Service Fee |
--------- |
--------- |
--------- |
--------- |
| Minimum balance to Earn the Stated APY |
$101.00 |
$101.00 |
--------- |
$2000.00 |
| Balance Method |
Daily Balance |
Daily Balance |
--------- |
Daily Balance |
ACCOUNT LIMITATIONS
See Section 6 above |
Account Transfer and withdrawal limitations apply |
Account Transfer and withdrawal limitations apply |
--------- |
Account withdrawal limitations apply |
| V. Fee Schedule |
| Credit Union Membership |
| Membership Share: |
$50.00 par value |
| Membership Fee: |
$5.00 per primary member, 18 years of age or older |
| Checking Account Fees |
| Gold Crown checking Service Charge: |
$5.00 per month |
| Overdraft Fee: |
$20.00 per item |
| Overdraft Protection |
$20.00 per item |
| NSF Fee: |
$20.00 per item |
| Regular Check Printing Fee: |
Price varies depending on style |
| Stop Payment Fee: |
$20.00 per item |
| Overdraft From Savings Fee: |
$1.00 per day |
| Check Copy Fee: |
$2.70 per item |
| Special Handling Fee: |
$5.50 per item |
| Counter Check Fee: |
$.15 per check |
| Gold Crown Checking Account Printing Fee: |
Two boxes of designated style per year free. Prices vary for additional checks. |
| Silver Money Market Excessive Withdrawal Fee: |
$9.00 per withdrawal if more than three (3) per month |
| Silver Money Market Less Than Minimum Withdrawal Fee: |
$9.00 per withdrawal if check amount is less than $250.00 |
| Silver Money Market Overdraft Fee: |
From VISA fee: $5.00 if balance is zero for 30 day period |
| IRA Accumulator Account Fees |
| IRA One Time Set-Up Fee: |
$5.00 |
| IRA Termination Fee: |
$15.00 per item |
| Certificate Account Fees |
| Certificate Dividends Check Fee |
$.54 per check if dividends mailed |
| Electronic Funds Transfer Fees |
| Thirty (30) ATM Transactions per month at Summit FCU's ATM at 100
Wheeler Street without a charge |
| ATM Withdrawal/Transfer Fee: |
$.60 per item |
| ATM Inquiry Fee: |
$.60 per item |
| ATM Deposit Fee: |
$.60 per item |
| ATM Transaction Research Fee: |
$10.00 per item |
| ATM Card Replacement Fee: |
$6.00 per item |
| Copy of Charge Ticket (When legitimate charge isn't in dispute) |
$15.00 |
| Other Service Fees |
| Account Reconciliation Fee: |
$5.00 per half hour |
| Account Research Fee: |
$5.00 per half hour |
| Statement Copy Fee: |
$1.00 per page |
| Deposited Item Return Fee: |
$30.00 per item if member issue |
| Deposited Item Return Fee: |
$6.00 per item if 2nd party issue |
| Items Sent for Collection Fee: |
$18.00 per item |
| Wire Transfer (Incoming) Fee: |
$5.00 per transfer |
| Wire Transfer (Outgoing) Fee: |
$16.00 per transfer |
| Corporate Check Copy Fee: |
$2.70 |
| Account Closed Through Mail Fee: |
$.54 |
| Certified check Fee: |
$1.50 per check |
| Telephone Withdrawal Fee: |
$2.00 per check |
| Telephone Transfer Fee: |
$2.00 per transfer |
| Account closure Fee: |
$5.00 if closed within 90 days of opening |
| ACH Return Item Fee: |
$20.00 per item |
| ACH Stop Payment Fee: |
$20.00 per item |
| Returned Mail Fee: |
$5.00 per item |
| Inactive Membership Fee: |
$5.00 annually |
| Non-US Funds Handling Fee: |
$24.00 per item |
| Copy of In Office Receipt (Legitimate Transaction not in dispute) |
$.25 each |
| Xerox Copies |
$.25 each |