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The following rate/APY* and fee schedule information is applicable to your accounts at evergreenDIRECT Credit Union (eDCU) as of the effective date shown above. eDCU may add to or change the rates and fees contained in this schedule without prior notice. For rate information, please visit our website at www.evergreenDIRECT.org or call (360)943-7676/(800)327-4286

APY=Annual Percentage Yield

  Details Dividend Rate APY
Regular Savings  $250 to earn dividends  .05%  .05% 
Unlimited Auxiliary Shares $250 to earn dividends  .05%  .05% 
Limited Auxiliary Shares  $100 to earn dividends  .05%  .05% 
Youth Savings  $25 to earn dividends  .05%  .05% 
Escrow Savings $100 to earn dividends .05%  .05% 
Kasasa Saver Savings Balances up to $20,000*  .99%  1.00% 
  Balances over $20,000*  .05% .05% 
  Account qualifications not met  .05%  .05%
Kasasa Cash Checking  Balances up to $20,000*  2.47%  2.50% 
  Balances over $20,000*  .05%  .05% 
  Account qualifications not met  .05%  .05% 
IRA Shares  $250 to earn dividends  .25%  .25% 
Money Market  $2,500  .10%  .10% 
  $10,000  .10%  .10% 
  $20,000  .15%  .15% 
  $35,000  .20%  .20% 
  $50,000  .25%  .25% 
  $75,000  .25%  .25% 
Save to Win Share Certificate  $25 to open; 12 month certificate  .30%  .30% 
Term Share/IRA Certificate  $1,000-$49,999 $50,000+  
  Dividend Rate APY Dividend Rate APY
12 month .30% .30% .30% .30%
24 month .40% .40% .40% .40%
36 month .45% .45% .45% .45%
48 month .55% .55% .55% .55%
60 month .88% .88% .88% .88%

*Qualifications must be met to earn these rates. Please refer to the Membership Agreement & Truth in Savings Disclosures.

Fee Schedule

 Account Activity/Duplicate Statement (up to 3 pages)  $5 minimum  Account Activity/Duplicate Statement (additional pages)  $2 each 
Account Research (one hour minimum)  $25 hour  ATM Deposit Adjustment  $25 
Cashier’s Check  $1 each  Check Cashing  $2 
Direct Checking Account Service Fee  $0  Copy of a Cleared Draft (more than 5 per month)  $.50 each 
Deposited Items Returned Unpaid  $28  Early Account Closure Fee (within 60 days of account opening)  $10 or balance  of account 
Excessive Withdrawals-Limited Auxiliary Shares (more than one per month)  $15 each  Excessive Withdrawals-Money Market (more than three per month)  $2 each 
Excessive Withdrawals-Regular Share (more than three per month)  $.50 each  Fax/Copy Fee (per page)  $1 
Foreign Check Collection  $50  Garnishment or Levy Fee  $20 
Inactive Account (12 months)  $5 per month  IRA Closure Fee  $25 
IRA Yearly Maintenance (if end of year balance is less than $1,000)  $35  Low Balance Fee  $5 
Money Order  $1 each  Mortgage Subordination Review Fee  $150 
Overdraft Protection Transfer  $2 per transfer  Overdrawn Account Fee (accounts overdrawn for 10 or more consecutive business days)  $25 
Overdraft/NSF Item (paid or returned) No daily limit  on number of fees  $28  Paper Statement Fee  $1 per cycle 
PIN Reorder/PIN Lockout Reset/Force Activation  $5  Replace Lost/Stolen VISA Card  $10 per card 
Repossession for Redemption (plus third-party fees)  $200  Return Statement Handling (after 2nd cycle)  $5 per cycle 
Share Draft Replaced with Cashier’s Check  $25  Special Handling (checks or VISA debit or credit card mailed to credit union)  $10 
Stop Payment Fee  $28  Temporary Checks (12 checks)  $5 
Unblock Recovered Lost/Stolen VISA Card  $5 per card  VISA Debit Card Merchant Receipt  (provided charge was authorized by member)  $12 
Wire Transfer International (incoming)  $15  Wire Transfer Domestic (incoming and outgoing)  $15 

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