Personal Checking

Put your balance to work for you with the NOW Account with Interest. Enjoy interest on your entire balance, and a free Debit card all by opening your account with $95.00, and maintaining at least a $95.00 daily balance. Other free services include online banking, bill pay*, eStatements, and more. You only see a $5.00 service fee if your daily balance drops below $95.00. *Bill Pay is free if used at least once per statement cycle; if not used at least once per statement cycle there is a $5.95 monthly fee.

Summary

• Interest*
• Interest is calculated daily and credited each statement cycle
• Avoid the $5 monthly service fee by maintaining a $95.00 daily balance
• Debit item charge per statement 0-30 No Charge 31 or more $.20 per item
• Free Online Banking and Bill Pay*
  *Bill Pay is free if used at least once per statement cycle; if not used there is a $5.95 fee
• Free paper or eStatements (your choice)
• Free 24 hour phone banking
• Free Mobile App & Mobile Deposit
• Free ATM/Debit Card
• $95.00 minimum deposit to open

Compounding frequency-Interest will be compounded monthly.

Crediting frequency-Interest will be credited into this account monthly.

Average daily balance computation method-Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Accrual of interest on noncash deposits-Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

Minimum balance to open-The minimum balance required to open this account is $95.00.

Minimum balance to obtain the disclosed annual percentage yield--You must maintain a minimum average daily balance of $95.00 in your account to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.

Minimum balance to avoid a fee-If your balance falls below $95.00 on any day in the month, your account will be subject to a $5.00 Flat Service Fee for that month.

Deposit limitations-You may make an unlimited number of deposits into your account.

Fees and charges-the following fees and charges apply to this account:

-Debit item charge per statement cycle: 31 or more debits, $.20 per item.

*Fee is applied if balance drops below $95.00 at any point during one statement cycle period.

Checking Rates

By the time you're 55 you have worked hard for years to earn an account that gives you benefits like these. The Venture Club Checking Account is exclusively available to customers 55 and better that maintain a total deposit relationship with the CCU of $2,500.00 or more. If your total deposit relationship falls below $2,500.00 a $10.00 monthly fee will be assessed. All you need is a minimum of $95.00 to open this account, and continue to maintain a minimum average daily balance of $95.00 to obtain the disclosed Annual percentage yield.

Venture Club Summary

• For customers age 55 and better
• $95.00 minimum deposit to open.
• Earn interest on your average balance when you maintain a minimum balance of $95.00 in your Venture Club Checking Account
• No per check charge
• First box of checks free
• Free ATM/Debit Card (application required)
• No-fee on money orders
• Discount on Lock Box rental (1/2 regular rate on 3 x 5)
• Free copies of personal papers
• Free Online Banking & Bill Pay*
  *Bill Pay is free if used at least once per statement cycle; if not used there is a $5.95 fee
• Free paper or eStatements (your choice)
• Free Mobile App & Mobile Deposit
• Free 24 hour phone banking

Checking Rates

Balance computation method

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Compounding and crediting

Interest for your account will be compounded monthly and credited to your account at the close of the business day on the date on your statement.

Accrual of interest on deposits other than cash

Interest begins to accrue on the business day you deposit non-cash items (e.g., checks).

*Annual Percentage Yield

Money Market Checking gives you higher interest amounts comparable to a savings account while providing you with checking account privileges. A minimum deposit of $500.00 is required to open this account, and interest will be compounded monthly. You may make six transfers from your account per month.

Summary

• $500.00 minimum deposit to open
• $500.00 minimum daily balance requirement
• $10.00 monthly fee if balance falls below daily minimum
• Interest compounded monthly
• * More than six withdrawals of any kind will be subject to the $10.00 per transaction fee.
• Account rate tiers:
• $0-$49,999.99
• $50,000-$99,999.99
• $100,000-$249,999.99
• $250,000-$499,999.99
• $500,000 and above
• Free ATM/Debit card
• Free Online Banking
• Free paper or eStatements (your choice)
• Free Mobile App & Mobile Deposit
• Free 24 hour phone banking

Checking Rates

Balance computation method

We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Compounding frequency

Interest will be compounded monthly.

Transaction limitations

Federal Regulation states that to maintain a MM account you may make six (6) transfers from your account each (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.*