Keep your identity and information behind the secure digital walls of Kasasa Protect™
Your one-stop-shop for 24/7 credit monitoring and coverage from every angle.
Benefits You’ll Love
- Around the clock account monitoring for suspicious activity
- Dark web monitoring to protect your information from fraudsters
- Access to your annual credit report
- Credit restoration services in the event of identity theft
- Comprehensive identity protection and restoration solution◊
- Employs around-the-clock monitoring for fraudulent activity
- Immediately alerts you to any suspicious activity
- Quick, hands-on process of restoring your information should fraud occur
- Full suite of offerings, including:
- 24/7 credit monitoring
- Annual credit reports
- Monthly credit score and tracker
- Dark web monitoring
- Lost wallet protection
- Identity restoration
- Coverage from every angle provides peace of mind
- Funds directly deducted from your checking every month — no credit card needed!
- Exclusive pricing for all Kasasa® checking account holders — $7 per month
- All other checking account holders — $10 per month
- Not locked into a contract; no time commitment necessary
Activate Kasasa Protect™ in minutes
Upon enrollment, Kasasa Protect™ starts working immediately. However, be sure to log in and verify your identity so that you can get the most value out of this service. Just check your email for your activation link or visit secure.kasasaprotect.com
Service Details
Add Kasasa Protect™ to receive around-the-clock coverage from every angle:
24/7 Credit Monitoring
- Get around-the-clock notices about important changes in your credit report, including:
- Loan data
- Inquiries
- New accounts
- Judgments
- Liens
- And more
- The fastest and simplest way to guard against fraudulent activity
Credit Reporting
- Receive full access to annual credit report from Experian
- Provides deep insight into your credit record
- Helps you proactively manage your financial health and monitor your identity
Monthly Credit Score & Tracker
- Regular review of your credit score, helping you stay on top of your credit
- Avoid the cost of pulling full credit reports
- View trends over time and find out exactly what's moving your number
Dark Web Monitoring
- Allows you to keep close tabs on your identity online
- Scans millions of international sources in real time
- Quickly spots stolen data that could identify you, such as a social security number or medical identification numbers
Lost Wallet Protection
- In the event of a lost or stolen wallet:
- One convenient point of contact handles cancellation and replacement of all your important documents
- Restoration through your agent includes: your cards, licenses, social security cards, insurance cards, passports, military IDs, and even traveler's checks
Identity Restoration
- Helpful advice and resolution services provided the instant fraud occurs
- Certified specialists file, dispute, and resolve issues with your credit or other vital records, including:
- Filing fraud alerts
- Placing credit freezes at different bureaus
- Notifying authorities
◊This disclosure contains the rules that govern your optional Identity Fraud Protection And Restoration Services through Kasasa Protect™ as of June 1, 2017.
Optional Add On Service: evergreenDIRECT Credit Union offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, Tunes® account. This add-on service (a)requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee and (c) can be cancelled at any time.
Kasasa Protect: Identity Fraud Protection And Restoration Services: “Kasasa Protect: Identity Fraud Protection And Restoration Services” collectively includes the following comprehensive services (collectively “Services”): (1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12)-month history of the consumer’s monthly credit scores from Experian. (2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including social security numbers; phone numbers; email addresses; bank account and routing numbers; credit and debit cards; and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s Experian credit file; Credit monitoring occurs only on the credit file associated with the purchasing consumer, and does not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus. 3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.
Terms & Conditions: Kasasa Protect services are provided by CSID, a part of Experian Information Solutions, Inc. (“Experian”). There are two (2) Kasasa Protect terms and conditions, one governing the program’s Services and the other governing the program’s online portal, which you must agreed to: (1) Services: Terms & conditions can be retrieved at an evergreenDIRECT Credit Union branch location (2) Portal: Terms & conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. (“Portal”)
Fees: Kasasa Protect services are provided for a monthly fee of $10 or $7 if you are a Kasasa accountholder. Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $3. Fee(s) will be automatically debited from your account on the third (3rd) of each month. Fee(s) begin on the third (3rd) of the month following your enrollment date and will end one (1) day after evergreenDIRECT Credit Union has processed your cancellation request.
Changes & Modifications: Kasasa Protect’s Services, fees, and providers are variable and may change with proper notification from evergreenDIRECT Credit Union or Kasasa, Ltd. Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at https:// secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information.
Requirements: To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal.
Enrollment: To receive Kasasa Protect’s Services, you must (1) agree to the Kasasa Protect Services’ Terms & Conditions and (2) establish the Services’ monthly billing and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. (“Enrollment”). The date upon which these activities are completed will be your enrollment date (“Enrollment Date”).
Verification: Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number. After entering your subscriber number, you must verify your personal information. You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity. You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. (“Verification”).
Portal Alerts & Notifications: Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect portal, you will be able to receive alerts and notifications through the portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com. You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services’ alerts and notifications via the Kasasa Protect portal, you must first verify your identity and register and maintain your email address at: https://secure.kasasaprotect.com.
Availability of Services: All items under these three (3) comprehensive services are available to you as identified below.
1. Credit Services: After verification, you will be able to view all items listed under Credit Services, including credit information and alert details via the portal.
2. Monitoring Services: All items listed under Monitoring Services will begin upon Enrollment. Viewing of Monitoring Services alerts is available upon Verification.
3. Restoration Services: All items under Resolution Services are available upon Enrollment.
Cancellation: You may cancel your Services at any time by notifying your financial institution of your decision to cancel. Written notices should be sent to evergreenDIRECT Credit Union, PO Box 408, Olympia, WA 98507-0408. Verbal requests should be directed to 360-943-7676/800-327-4286. Cancellations may take one (1) or more business days to process. When cancelling, your then current month’s fee will not be reimbursed or prorated. The Services’ monthly fee will not be charged for the following month after a cancellation request has been processed by your financial institution.
Closure of Checking Account: Should your checking account be closed by you or evergreenDIRECT Credit Union, any add-on products / services associated with that account, including Kasasa Protect, will also be terminated at the same time. Your then current month’s account and/or Kasasa Protect fees will not be reimbursed or prorated. The monthly fee(s) will not be charged for the month following termination.
Legal Notices: (1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) evergreenDIRECT Credit Union Notice. EvergreenDIRECT Credit Union shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential, or incidental. Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Information Solutions, Inc.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Boat & Recreational Vehicle Loans
Term | APR (as low as) | Estimated Monthly Payment Examples |
---|---|---|
24 Months | 7.74% | 24 monthly payments of $45.13 per $1,000 borrowed |
36 Months | 8.24% | 36 monthly payments of $31.23 per $1,000 borrowed |
48 Months | 8.74% | 48 monthly payments of $24.78 per $1,000 borrowed |
60 Months | 8.99% | 60 monthly payments of $20.77 per $1,000 borrowed |
72 Months | 9.49% | 72 monthly payments of $18.28 per $1,000 borrowed |
84 Months | 9.99% | 84 monthly payments of $16.61 per $1,000 borrowed |
Longer terms are available. Ask us for a rate quote.
Checking Accounts
Account Type | Minimum Balance | Dividend Rate | APY | Terms |
---|---|---|---|---|
Kasasa Cash Back | $0.00 | n/a | n/a | n/a |
Kasasa Play | $0.00 | n/a | n/a | n/a |
Kasasa Eats | $0.00 | n/a | n/a | n/a |
DIRECT Checking | $0.00 | n/a | n/a | n/a |
Home Equity Line of Credit (variable rate)
Length | LTV | APR (as low as) |
---|---|---|
10 Years | 80.00% | 8.50% |
Draw period for line is 10 years with a 10 year repayment period.
Home Equity Loans
Length | LTV | APR (as low as) |
---|---|---|
10 Years | 70.00% | 9.25% |
10 Years | 85.00% | 11.25% |
15 year term option for .50% additional rate on approved credit
Home Suite Home Equity Line of Credit (variable rate)
Length | LTV | APR (as low as) |
---|---|---|
10 Years | 100% | 9.50% |
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.
Home Suite Home Equity Loan
Length | LTV | APR (as low as) |
---|---|---|
Up to 10 Years | 100% | 12.25% |
10 Years and over | 100% | 12.75% |
Home Suite Home Improvement Loans
Length | LTV | APR (as low as) |
---|---|---|
Up to 10 Years | 115% | 12.50% |
10 Years and over | 115% | 13.00% |
Home Suite Home Improvement Signature Loan
Length | APR (as low as) | Estimated Monthly Payment Examples |
---|---|---|
Up to 10 Years | 10.70% | Up to 120 monthly payments of $13.90 per $1000 borrowed |
Over 10 Years | 11.20% | Up to 180 monthly payments of $11.50 per $1000 borrowed |
Kasasa Cash*
Balance | Dividend Rate | APY |
---|---|---|
0 - $20,000 | 4.89% | 5.00% |
$20,000+ | 0.05% | 0.05% |
All balances if qualifications not met | 0.05% | 0.05% |
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.
Kasasa Saver*
Balance | Dividend Rate | APY |
---|---|---|
0 - $20,000 | 0.99% | 1.00% |
$20,000+ | 0.05% | 0.05% |
All balances if qualifications not met | 0.05% | 0.05% |
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.
Money Market Accounts
Minimum Balance | Dividend Rate | APY |
---|---|---|
$2,500.00 | 0.30% | 0.30% |
$10,000.00 | 0.35% | 0.35% |
$20,000.00 | 0.40% | 0.40% |
$35,000.00 | 0.50% | 0.50% |
$50,000.00 | 0.60% | 0.60% |
$75,000.00 | 1.25% | 1.26% |
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, DIRECT Checking, and Money Market 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. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
3. 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.
4. 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.
5. 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 accounts may have additional 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 Fee Schedule. For DIRECT Checking accounts, you must meet one (1) of the following minimum requirements to avoid a service fee and earn the annual percentage yield disclosed for the dividend period: a) you have $1,000.00 in direct deposits/payroll deductions during the month and receive e-statements; b) you have month-end balances of $2,500.00 in total share accounts and receive e- statements; c) you have $1,000.00 in direct deposits/payroll deductions and have month-end balances of $2,500.00 in total share accounts; d) you have $1,000.00 in direct deposits/payroll deductions during the month and have month-end balances of $2,500.00 in total loan accounts; e) you have month-end balances of $2,500.00 in total loan accounts and receive e-statements; OR f) you are 22 years of age or under. If you do not meet one (1) of these minimum requirements, you will be charged a service fee and will not earn dividends for the dividend period. 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.
6. 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 Fee Schedule for each withdrawal in excess of one (1) 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 Fee Schedule. For DIRECT Checking accounts, no account limitations apply.
7. 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 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 Fee Schedule 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.
8. 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 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.
New/Used Auto Loans
Term | APR (as low as) | Estimated Monthly Payment Examples |
---|---|---|
24 Months | 5.24% | 24 monthly payments of $43.99 per $1,000 borrowed |
36 Months | 5.74% | 36 monthly payments of $30.32 per $1,000 borrowed |
48 Months | 6.24% | 48 monthly payments of $23.61 per $1,000 borrowed |
60 Months | 6.49% | 60 monthly payments of $19.57 per $1,000 borrowed |
72 Months | 6.99% | 72 monthly payments of $17.05 per $1,000 borrowed |
84 Months | 7.49% | 84 monthly payments of $15.34 per $1,000 borrowed |
Personal Line of Credit
Terms | Conditions |
---|---|
Annual Fee | None |
Late Payment | Up to $20.00 |
Cash Advance Fee | none (the $2 overdraft protection transfer fee does apply) |
Min. Credit Line | $500 |
Max. Credit Line | $30,000 |
APR (as low as/variable rate) | 11.50% |
Minimum payment is 5% of the month-end balance with a minimum of $50.
Savings Accounts
Account Type | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
Savings Account | $250 to earn dividends $5 to maintain |
0.05% | 0.05% |
Unlimited Auxiliary Savings | $250 to earn dividends | 0.05% | 0.05% |
Limited Auxiliary Savings | $100 to earn dividends | 0.05% | 0.05% |
Individual Retirement Accounts (IRAs) | $250 to earn dividends | 0.25% | 0.25% |
Coverdell Education Savings Account | $250 to earn dividends | 0.25% | 0.25% |
Rock E. Raccoon Savings | $25 to earn dividends $5 to maintain |
0.10% | 0.10% |
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, DIRECT Checking, and Money Market 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. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
3. 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.
4. 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.
5. 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 accounts may have additional 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 Fee Schedule. For DIRECT Checking accounts, you must meet one (1) of the following minimum requirements to avoid a service fee and earn the annual percentage yield disclosed for the dividend period: a) you have $1,000.00 in direct deposits/payroll deductions during the month and receive e-statements; b) you have month-end balances of $2,500.00 in total share accounts and receive e- statements; c) you have $1,000.00 in direct deposits/payroll deductions and have month-end balances of $2,500.00 in total share accounts; d) you have $1,000.00 in direct deposits/payroll deductions during the month and have month-end balances of $2,500.00 in total loan accounts; e) you have month-end balances of $2,500.00 in total loan accounts and receive e-statements; OR f) you are 22 years of age or under. If you do not meet one (1) of these minimum requirements, you will be charged a service fee and will not earn dividends for the dividend period. 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.
6. 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 Fee Schedule for each withdrawal in excess of one (1) 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 Fee Schedule. For DIRECT Checking accounts, no account limitations apply.
7. 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 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 Fee Schedule 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.
8. 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 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.
Share Certificates
Certificate Length | Tier | Dividend Rate | APY |
---|---|---|---|
12 Months | $1,000 - $49,999.99 | 5.05% | 5.18% |
12 Months | $50,000 + | 5.05% | 5.18% |
Save to Win 12 Months | $25 - $50,000+ | 5.05% | 5.18% |
24 Months | $1,000 - $49,999.99 | 3.75% | 3.82% |
24 Months | $50,000 + | 3.75% | 3.82% |
36 Months | $1,000 - $49,999.99 | 2.00% | 2.02% |
36 Months | $50,000 + | 2.00% | 2.02% |
48 Months | $1,000 - $49,999.99 | 2.00% | 2.02% |
48 Months | $50,000 + | 2.00% | 2.02% |
60 Months | $1,000 - $49,999.99 | 2.00% | 2.02% |
60 Months | $50,000 + | 2.00% | 2.02% |
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' of 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.
Unsecured Loans
Term | APR (as low as) | Estimated Monthly Payment Examples |
---|---|---|
24 months | 9.45% | 24 monthly payments of $45.91 per $1,000 borrowed |
48 months | 11.45% | 48 monthly payments of $26.08 per $1,000 borrowed |
72 months | 13.45% | 72 monthly payments of $20.32 per $1,000 borrowed |
For Personal Line of Credit, minimum payment is 5% of the month-end balance with a minimum of $50.
Visa Credit Cards
Terms | VISA Platinum/Perks |
---|---|
Annual Fee | None |
Grace Period1 | 25 days |
Late Payment | Up to $20.00 |
Cash Advance Fee | $0 |
Min. Limit | $500 |
Max. Limit | $30,000 |
Reward Program | yes |
APR for Purchases (as low as/variable rate) | 12.00% |
Balance Transfer APR (as low as/variable rate) | 12.00% |
Cash Advance APR (as low as/variable rate) | 14.00% |
1There is no grace period for cash advances or on balance transfers.