Home Equity Lines of Credit (HELOC)

Longer terms are available. Ask us for a rate quote.

Draw period for line is 10 years with a 10 year repayment period.

Cap dollar amount: 70% LTV- $250,000 and 85% LTV- $200,000

15 year term option for .50% additional rate on approved credit

Effective April 1, 2021, Home Suite Home Equity HELOC Loans max credit line is $125,000.

Draw period for line is 10 years with a 10 year repayment period.

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

• At least one (1) ACH Payment or eDCU Bill Pay transaction(s)
• At least 12 debit card purchases with a minimum purchase of $3 per transaction
• Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least one (1) ACH Payment or eDCU Bill Pay transaction(s)
• At least 12 debit card purchases with a minimum purchase of $3 per transaction
• Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Minimum payment is 5% of the month-end balance with a minimum of $50.

Truth-in-Savings Disclosure:

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure 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 Savings, Unlimited Auxiliary Savings, Limited Auxiliary Savings, IRA Savings, Escrow Savings, Youth Savings, Money Market, Kasasa Saver Savings, and Kasasa Cash Checking accounts, 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 yield as of the last dividend declaration date, which is set forth in the Rate Schedule. The Savings and Escrow Savings accounts are tiered rate accounts. If your daily balance is from $0.00 to $2,499.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is $2,500.00 or greater, the second dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. The Money Market account is a tiered rate  account. If your daily balance is from $2,500.00 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is from $10,000.00 to $19,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $20,000.00 to $34,999.99, the third dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $35,000.00 to $49,999.99, the fourth dividend rate and annual percentage yield listed for this account will apply. If your daily balance is from $50,000.00 to $74,999.99, the fifth dividend rate and annual percentage yield listed for this account will apply. If your daily balance is $75,000.00 or greater, the sixth dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

2. KASASA ACCOUNTS — For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 Debit card purchases with a minimum purchase of $3 per transaction that post and settle your account (person to person payments and monetary funds transfers are not eligible transactions); 2) have at least one (1) ACH Debit Payment or eDCU BillPay transaction(s) post and settle; 3) be enrolled in and log in to Online Banking monthly. Monthly receipt of electronic statements are a condition(s) of this account. The monthly qualification cycle is defined as a period beginning one business day prior to the first day of the current statement cycle through the end of one business processing day prior to the close of the current statement cycle. Account transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. See our website or contact one of our member service representatives for specific Monthly Qualification Cycle and Statement Cycle dates. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, debit card purchases that do not meet the minimum purchase requirement of $3 per transaction that post and settle your account; and purchases made with debit cards not issued by our credit union. Kasasa Saver Savings and Kasasa Cash Checking are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. Each dividend rate will apply only to that portion of the account balance within each balance range if you meet the minimum qualification requirements. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yields as listed in the rate schedule will apply to the entire balance in your account. We reserve the right to convert the account to a different checking account if the account does not meet qualifications to earn rewards for 4 consecutive qualification cycles. If a Kasasa Saver is tied to the non-qualifying Kasasa Checking, the Kasasa Saver will be closed and funds transferred to the base share account. There is a limit of 1 Kasasa checking account per social security number. This account is intended to be the accountholder’s primary checking account in which day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for three dollars, conducted at a convenience store, two days before the end of the cycle period would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. evergreenDIRECT Credit Union reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications for four (4) consecutive months, may have their Kasasa checking account converted to a different checking account or closed altogether. We have the right to close this account at any time, without notice to you. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. An evergreenDIRECT Credit Union check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Kasasa account, any optional add on products/services associated with this account will also be terminated at the same time. Kasasa, Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, Kasasa Eats Checking and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. Kasasa Saver Savings. The Kasasa Saver Savings account is a tiered rate account and is available only to holders of a Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account. If you meet the minimum qualification requirements for your Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account during the monthly qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply if your balance is $25,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is from $25,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Play Checking, or Kasasa Eats Checking account, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Saver Savings account. Kasasa Cash Checking. The Kasasa Cash Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the first dividend rate and annual percentage yield listed in the Rate Schedule will apply if your balance is $25,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply if your balance is greater than $25,000.00. Each dividend rate will apply only to that portion of the account balance within each balance range. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, dividends earned on the Kasasa Cash Checking account and ATM fees refunded to you will automatically be transferred to your Kasasa Saver Savings account; in that event, dividends will not compound in the Kasasa Cash Checking account. If you do not have a Kasasa Saver Savings account, dividends earned and ATM fees reimbursed will remain in your Kasasa Cash Checking account and dividends will compound in your account as listed in the Rate Schedule. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Kasasa Cash Checking account and ATM fees will not be refunded to you. Kasasa Cashback Checking. For Kasasa Cashback Checking accounts, you will receive 2.50% cash back on purchases up to $250.00 in PIN-based/signature-based debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. A maximum of $6.25 cash back may be earned per monthly qualification cycle. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, cash back earned on your Kasasa Cashback Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned and fees refunded will remain in your Kasasa Cashback Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you. Kasasa Tunes Checking. For Kasasa Tunes Checking accounts, if you meet the minimum qualification requirements during the monthly qualification cycle, you will receive up to $10.00 in credit for purchases you make with your Kasasa Tunes Checking debit card at iTunes®, Amazon.com®, or Google Play®. These credits will be good for up to 30 days from the end of the qualification period. As a Sign Up Bonus, for the first 60 days from your account opening, provided you meet the qualification requirements, you may be reimbursed up to $20.00 for purchases that are made from iTunes, Amazon.com, or Google Play with your Kasasa Tunes Checking debit card and that post and settle to your account. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a Tunes reward and ATM fees will not be refunded to you. Kasasa Play Checking. When your Kasasa Play account qualifications are met during a Monthly Qualification Cycle, you will earn refunds, up to a combined, aggregate maximum of $10 on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://www.kasasa.com/play-partners, that post and settle to the account during that cycle period. Your account's debit card may be used for any transaction, but the account's streaming services' refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to https://www.kasasa.com/play-partners or visit one of our locations for a current list of Kasasa Play merchants. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Play merchants. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, refunds earned on your Kasasa Play Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned, and fees refunded will remain in your Kasasa Play Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you. Kasasa Eats Checking. When your Kasasa Eats account qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://www.kasasa.com/eats-partners, that post and settle to your account during that cycle period. A maximum of $10 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.kasasa.com/eats-partners or visit one of our locations for a current list of Kasasa Eats merchants. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. In order to properly distribute the account’s cash back payments; the description field, within the debit card transaction record we receive, must identify one of our current Kasasa Eats merchants. If you feel we have not properly identified a valid debit card transaction, please bring the transaction receipt to one of our locations, within sixty (60) days of purchase, so we can research and adjust your rewards, as necessary. In addition, we will refund up to $15.00 (max. $4.99 per single transaction) in ATM fees assessed at nationwide ATMs we do not own or operate. An ATM receipt must be provided for any ATM fee of $5.00 or greater to receive the refund. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. ATM refunds will be paid concurrent with other rewards earned. If you have a Kasasa Saver Savings account, refunds earned on your Kasasa Eats Checking account and ATM fees refunded to you will be deposited directly into your Kasasa Saver Savings account. If you do not have a Kasasa Saver Savings account, cash back earned, and fees refunded will remain in your Kasasa Eats Checking. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.

3. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

4. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated 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.

5. ACCRUAL OF DIVIDENDS — For all earning accounts, dividends will begin to accrue on noncash deposits (e.g.  checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, you will not receive the accrued dividends.

6. BALANCE INFORMATION — To open any account, you must deposit or already have on deposit at least the par value of one (1) full share in a Savings account. Some deposit accounts may have minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For IRA Savings accounts, your account will be subject to closure if your balance falls below the stated required minimum balance of $250.00. For Savings and Money Market accounts, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance is not met during each day of the dividend period, there will be a service fee as stated in the Schedule of Fees and Charges. For Savings, Unlimited Auxiliary Savings, Limited Auxiliary Savings, IRA Savings, Escrow Savings, Youth Savings, and Money Market accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated annual percentage yield. For accounts using the daily balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rate to the balance in the account each day.

7. ACCOUNT LIMITATIONS — For Savings, Unlimited Auxiliary Savings, IRA Savings, Escrow Savings, and Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Limited Auxiliary Savings accounts, you may not make any preauthorized, automatic or telephone transfers from your account at any time. For Limited Auxiliary Savings accounts, you will be charged a fee as disclosed in the Schedule of Fees and Charges for each withdrawal in excess of one (1) per month. For Money Market accounts, you will be charged a fee as disclosed in the Schedule of Fees and Charges for each withdrawal in excess of three (3) per month. For Escrow Savings accounts, you may not make withdrawals from your account. The Credit Union will make all withdrawals on your behalf for payment of taxes and insurance. For IRA Savings accounts, if your balance is less than $1,000.00, you will be charged a yearly maintenance fee, as disclosed in the Schedule of Fees and Charges. For Kasasa Saver Savings, Kasasa Cash Checking, Kasasa Cashback Checking, Kasasa Tunes Checking, Kasasa Play Checking, and Kasasa Eats Checking accounts please refer to section 2 for minimum requirements to earn monthly rewards. For DIRECT Checking accounts, no account limitations apply.

8. FEES FOR OVERDRAWING ACCOUNTS — Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Your account may be subject to a fee for each item regardless of whether we pay or return the item. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item.

9. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

• Par Value of One Share: $5.00
• Number of Shares Required: 1

10. RATES — The rates appearing with this Schedule are accurate as of the effective date indicated on this Truth-in- Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

11. FEES — See separate Schedule of Fees and Charges for a listing.

The rates and fees appearing with this Schedule are accurate and effective for the accounts as of the last dividend declaration date indicated on this Truth-in- Savings Disclosure. If you have any questions or require current rate and fee information on your account, please call the Credit Union.

Truth-in-Savings Disclosure:

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure 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 Term Share Certificate and IRA Share Certificate accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. DIVIDEND PERIOD — For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date.

3. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting frequency of dividends are stated in the Rate Schedule. At your option, you may chose to have dividends credited to you certificate account, transferred to another account or paid to you by check.

4. BALANCE INFORMATION — The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account, you must deposit or already have on deposit at least the par value of one (1) full share in a Savings account. Some accounts may have additional minimum opening deposit requirements. For all accounts, dividends are calculated by the daily balance method, which applies a periodic rate to the balance in the account each day. For the 8 month Term Share Certificate and IRA Certificate accounts, the maximum deposit per member is $250,000.00. Member is defined by social security number.

5. ACCRUAL OF DIVIDENDS — For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

6. TRANSACTION LIMITATIONS — For Term Share Certificate and IRA Share Certificate accounts, after your account is opened you may make withdrawals subject to the early withdrawal penalties stated below.

7. MATURITY — Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice. 

8. EARLY WITHDRAWAL PENALTY — We may impose a penalty if you withdraw from your account before the maturity date.

a. Amount of Penalty. For Term Share Certificate and IRA Share Certificate accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

• Terms of 8 months: 120 days’ dividends on amounts withdrawn
• Terms of 1 year: 180 days’ dividends on amounts withdrawn
• Terms of 2 years: 270 days’ dividends on amounts withdrawn
• Terms of 3 years: 365 days’ dividends on amounts withdrawn
• Terms of 4 years: 455 days’ dividends on amounts withdrawn
• Terms of 5 years: 545 days’ dividends on amounts withdrawn

b. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

c. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

9. RENEWAL POLICY — The renewal policy for your account is indicated in the Rate Schedule. For that automatically renew, you have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For accounts that do not automatically renew, you will not be paid dividends on the account after the maturity date. Upon maturity, the account balance will be paid to you by check or will be transferred to another account of yours.

10. NONTRANSFERABLE/NONNEGOTIABLE — Your account is nontransferable and nonnegotiable.

11. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.

• Par Value of One Share: $5.00
• Number of Shares Required: 1

The rates and fees appearing with this Schedule are accurate and effective for accounts as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

For Personal Line of Credit, minimum payment is 5% of the month-end balance with a minimum of $50.

¹There is no grace period for cash advances or on balance transfers.