Truth-in-Savings Disclosure

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Rates effective date:

The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.

Rate Sheet
ACCOUNT TYPE	DIVIDENDS			BALANCE REQUIREMENTS				ACCOUNT LIMITATIONS
ACCOUNT TYPE	Dividend Rate / Annual Percentage Yield (APY)	Dividends Compounded / Credited	Dividend Period	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee	Minimum Balance to Earn the Stated APY	Balance Method to Calculate Dividends	ACCOUNT LIMITATIONS
Regular Savings	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	$1.00	—	$50.00	Daily Balance	—
Secondary Savings	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	—
Christmas Club	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	—	—	$1.00	Daily Balance	Account transfer and withdrawal limitations apply.
Vacation Club	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	Account transfer and withdrawal limitations apply.
IRA/HSA Savings	0.50 % / 0.50%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	Account transfer and withdrawal limitations apply.
Escrow Savings	—	—	—	—	—	—	—	Account transfer and withdrawal limitations apply.
Money Market	$50.00 to $1,999.99 0.20 % / 0.20% — $2,000.00 to $19,999.99 0.20 % / 0.20% — $20,000.00 to $74,999.99 0.25 % / 0.25% — $75,000.00 or greater 0.25 % / 0.25%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	Account transfer and withdrawal limitations apply.
Money Market+ Base Rate	$0.00 to $19,999.99 0.20 % / 0.20% — $20,000.00 to $49,999.99 0.25 % / 0.25% — $50,000.00 to $99,999.99 0.50 % / 0.50% — $100,000.00 - $199,999.99 1.49 % / 1.50% — $200,000.00 or greater 2.47 % / 2.50%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $20,000.00 — $50,000.00 — $100,000.00 — $200,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
Money Market+ Platinum +0.50% APY	$0.00 to $19,999.99 0.20 % / 0.20% — $20,000.00 to $49,999.99 0.75 % / 0.75% — $50,000.00 to $99,999.99 0.99 % / 1.00% — $100,000.00 - $199,999.99 1.98 % / 2.00% — $200,000.00 or greater 2.96 % / 3.00%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $20,000.00 — $50,000.00 — $100,000.00 — $200,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
Money Market+ VIP +0.75% APY	$0.00 to $19,999.99 0.20 % / 0.20% — $20,000.00 to $49,999.99 0.99 % / 1.00 % — $50,000.00 to $99,999.99 1.24 % / 1.25% — $100,000.00 - $199,999.99 2.23 % / 2.25% — $200,000.00 or greater 3.20 % / 3.25%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $20,000.00 — $50,000.00 — $100,000.00 — $200,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
Boost Savings Base Rate	$0.00 to $4,999.99 2.47 % / 2.50% — $5,000.00 to $9,999.99 0.99 % / 1.00% — $10,000.00 to $19,999.99 0.50 % / 0.50% — $20,000.00 or greater 0.10 % / 0.10%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $5,000.00 — $10,000.00 — $20,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
Boost Savings Platinum +0.25% APY	$0.00 to $4,999.99 2.47 % / 2.50% — $5,000.00 to $9,999.99 1.49 % / 1.50% — $10,000.00 to $19,999.99 0.99 % / 1.00% — $20,000.00 or greater 0.60 % / 0.60%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $5,000.00 — $10,000.00 — $20,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
Boost Savings VIP +0.50% APY	$0.00 to $4,999.99 2.47 % / 2.50% — $5,000.00 to $9,999.99 1.74 % / 1.75% — $10,000.00 to $19,999.99 1.24 % / 1.25% — $20,000.00 or greater 0.85 % / 0.85%	Monthly	Monthly (Calendar)	$50.00	—	$0.00 — $5,000.00 — $10,000.00 — $20,000.00	Daily Balance	Account transfer and withdrawal limitations apply.
High Yield	$50.00 to $1,999.99 0.10 % / 0.10% — $2,000.00 to $9,999.99 0.10 % / 0.10% — $10,000.00 to $19,999.99 0.10 % / 0.10% — $20,000.00 or greater 0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	Account transfer and withdrawal limitations apply.
Regular Checking	—	—	—	—	—	—	—	—
Lift Savings Qualifications Met (See Section 2)	$0.00 to $30,000.00 1.00 % / 1.00% — $30,000.01 or greater 1.98 % / 2.00%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Lift Savings Qualifications Not Met (See Section 2)	0.05 % / 0.05%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Lift Checking Qualifications Met (See Section 2)	$0.00 to $25,000.00 2.96 % / 3.00% — $25,000.01 or greater 0.35 % / 0.35%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Lift Checking Qualifications Not Met (See Section 2)	0.05 % / 0.05%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Boost Spending	—	—	—	—	—	—	—	Account restrictions apply.
Lift+ Checking Qualifications Met (See Section 2)	$0.00 to $20,000.00 5.84 % / 6.00% — $20,000.01 or greater 0.35 % / 0.35%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Lift+ Checking Qualifications Not Met (See Section 2)	0.05 % / 0.05%	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Aspire Savings	0.10 % / 0.10 %	Quarterly	Quarterly (Calendar)	—	—	$50	Daily Balance	Account transfer and withdrawal limitations apply.
Aspire Checking	—	Quarterly	Quarterly (Calendar)	—	—	—	Daily Balance	Account transfer and withdrawal limitations apply.

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 Regular Savings, Secondary Savings, Christmas Club, Vacation Club, Aspire Savings, Aspire Checking, IRA Savings, Health Savings, Money Market, Money Market+, High Yield, Lift Savings, Lift Checking, Lift+ Checking accounts, Boost Savings, and Boost Spending 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 prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Market, Money Market+, and High Yield accounts 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. For Money Market, Money Market+, and High Yield accounts, 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. Aspire Savings and Aspire Checking accounts are for our Aspire Members who utilize the program for Financial Counseling. Aspire accounts cannot be transferred from without approval by the Aspire Department for Financial Counseling. Boost Savings accounts are blended tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Boost Savings accounts, once the particular range is met, the dividend rate and annual percentage yield for that balance range will apply to only that portion of the balance. The Lift Savings, Lift Checking, and Lift+ Checking accounts are tiered rate accounts. Please refer to section 2 for additional details about these accounts.

2. Rewards Accounts

For Lift Checking, Boost Spending, and Lift+ Checking accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements for Lift Checking, and Boost Spending, you must a) make 12 debit card or credit card purchases that post and settle to your account; b) access Online Banking at least one time per month; and c) be enrolled in and receive e-statements. To meet the minimum qualification requirements for Lift+ Checking, you must a) make 24 debit or credit card purchases that post and settle to your account; b) access Online Banking at least one time per month; c) be enrolled in and receive e-statements; and d) have an aggregated minimum of $1,000.00 in direct deposits into any suffix of your KALSEE account. Lift Savings, Lift Checking, Boost Spending, and Lift+ Checking accounts are limited to one account per primary member's Social Security Number. Lift Checking, Boost Spending, and Lift+ Checking accounts are intended to be your primary checking account in which payroll transactions and 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 or credit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Any debit or credit card purchase transaction(s) totaling $4.99 or below completed during the monthly qualifications cycle will not be considered 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. KALSEE 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 may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over three consecutive statement cycles. We have the right to close this account at any time, with proper notice. 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. A KALSEE Credit Union check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Lift or Boost account, any optional add on products / services associated with this account will also be terminated at the same time.

Monthly Qualification Cycle

The monthly qualification cycle is defined as the first day of the month, and the last day of the month.

Lift Savings

The Lift Savings account is a tiered rate account and is available only to holders of a Lift Checking, Boost Spending, or Lift+ Checking account. If you meet the minimum qualification requirements for the Lift Checking, Boost Spending, or Lift+ Checking account, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to balances of $30,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply to balances of $30,000.01 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, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Lift Savings account.

Lift Checking

The Lift 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 to balances $25,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply to balances of $25,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. In addition, we will refund up to $10.00 in ATM fees assessed at domestic ATMs we do not own or operate. An ATM receipt must be presented for reimbursement of individual ATM fee of $5.00 or higher. If you have a Lift Savings account, dividends earned on the Lift Checking and ATM fees refunded to you will automatically be transferred to your Lift Savings account; in that event, dividends will not compound in the Lift Checking account. If you do not have a Lift Savings account, dividends earned and ATM fees reimbursed will remain in your Lift Checking account. If you do not meet all of the monthly qualification requirements, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Lift Savings account and ATM fees will not be refunded to you.

Boost Spending

For Boost Spending accounts, you will receive 3.00% cash back on up to $300.00 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition, you will receive a refund of up to $10.00 in ATM fees assessed at domestic ATMs we do not own or operate. An ATM receipt must be presented for reimbursement on individual ATM fee of $5.00 or higher. If you have a Boost Savings account, ATM fees refunded to you will automatically be transferred to your Lift Savings account If you do not have a Lift Savings account, ATM fees reimbursed will remain in your Boost Spending account. If you do not meet all of the monthly qualification requirements, you will not earn a cash back reward and ATM fees will not be refunded to you.

Lift+ Checking

The Lift+ 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 to balances $20,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply to balances of $20,000.01 or greater. Each dividend rate will apply only to that portion of the account balance withing each balance range. In addition, we will refund up to $10.00 in ATM fees assessed at domestic ATMs we do not own or operate. An ATM receipt must be presented for reimbursement of individual ATM fee of $5.00 or higher. If you have a Lift Savings account, dividends earned on the Lift+ Checking and ATM fees refunded to you will automatically be transferred to your Lift Savings account; in that event, dividends will not compound in the Lift+ Checking account. If you do not have a Lift Savings account, dividends earned and ATM fees reimbursed will remain in your Lift+ Checking account. If you do not meet all of the monthly qualification requirements, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Lift Savings account 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 t 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. For Regular Savings, Secondary Savings, Christmas Club, Vacation Club, IRA Savings, Health Savings, Money Market, High Yield, Lift Savings, and Lift and Boost Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. However, for Christmas Club accounts, any accrued dividends will be paid if you close the account within seven (7) days of the date you open it.

6. Balance Information

To open any account, you must deposit or already have on deposit the minimum required share(s) in a Regular Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Savings, Secondary Savings, Christmas Club, Vacation Club, IRA Savings, Health Savings, Money Market, Money Market+, Boost Savings, Aspire Savings, and High Yield accounts, there is a minimum daily balance required for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend 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. For accounts using the daily balance method as stated in the Rate Schedule, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

7. Account Limitations

For Christmas Club, Vacation Club, IRA Savings, Money Market, Money Market+, Boost Savings, High Yield Accounts, and Lift Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another 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 fee or be closed. For Christmas Club accounts, the entire balance will be transferred to another account of yours on or after November 1, and the account will remain open. For Money Market and Money Market+ accounts, the minimum amount you may withdraw is $500.00. For Boost Savings accounts, the minimum amount you may withdraw is $50.00. For IRA Savings accounts, please refer to the IRS limitations. For Health Savings accounts, funds may only be used for qualified medical expenses, please refer to Publication 969 for further details about this account. For Escrow accounts, member activity is prohibited as it is established by borrower to pay charges related to member mortgage loan. For Lift Savings, Lift Checking, Boost Spending, and Lift+ Checking accounts, please refer to Section 2 for minimum requirements to earn monthly rewards. For Regular Savings, Secondary Savings, and Regular Checking accounts, no 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 card transaction (if a 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 checking, 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 Fee Schedule for current fee information. For ATM and one-time debit card 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 Fee Schedule.

9. Membership

Par Value of One Share: $1.00
Number of Shares Required: 1

10. Rates

The rates provided in or with the Rate Schedule are accurate 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 of fees and charges applicable to your account(s).

Business Rate Sheet
ACCOUNT TYPE	DIVIDENDS			BALANCE REQUIREMENTS				ACCOUNT LIMITATIONS
ACCOUNT TYPE	Dividend Rate / Annual Percentage Yield (APY)	Dividends Compounded / Credited	Dividend Period	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee	Minimum Balance to Earn the Stated APY	Balance Method to Calculate Dividends	ACCOUNT LIMITATIONS
Regular Savings	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	$1.00	—	$50.00	Daily Balance	—
Secondary Savings	0.10 % / 0.10%	Quarterly	Quarterly (Calendar)	—	—	$50.00	Daily Balance	—
Money Market	$0.00 to $19,999.99 0.30 % / 0.30 % — $20,000.00 to $49,999.99 0.50 % / 0.50 % — $50,000.00 to $99,999.99 0.99 % / 1.00 % — $100,000.00 to $199,999.99 1.98 % / 2.00 % — $200,000.00 or greater 2.96 % / 3.00%	Monthly	Monthly (Calendar)	—	—	$50.00	Daily Balance	Account transfer and withdrawal limitations apply.
Business Interest Checking	$2,500.00 to $24,999.99 0.15 % / 0.15 % — $25,000.00 or greater 0.30 % / 0.30 %	Quarterly	Quarterly (Calendar)	—	—	$2,500.00	Daily Balance	Account deposit limitations apply.
Non-Interest Checking	—	—	—	—	—	—	—	Account deposit limitations apply.
Lift Business Checking Qualifications Met	$0.00 to $100,000.00 1.49 % / 1.50 % — $100,000.01 or greater 0.35 % / 0.35 %	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.
Lift Business Checking Qualifications Not Met	0.05 % / 0.05 %	Monthly	Monthly (Calendar)	—	—	—	Average Daily Balance	Account restrictions apply.

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 Regular Savings, Secondary Savings, Money Market, Business Interest Checking, and Non-Interest Checking, 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 prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Lift Business Checking and Business Interest Checking accounts 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. Money Market accounts are a blended rate account. The dividend rate and annual percentage yield will apply to only the balance within that range on the Business Rate Sheet.

Lift Business Checking

The Lift Business 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 for this account will apply to $100,000.00 and below. The second dividend rate and annual percentage yield listed for this account will apply to balances of $100,000.01 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 monthly qualification requirements, the third dividend rate and annual percentage yield as listed on the Business Rate Sheet will apply to the entire balance in your Lift Business Checking account. To meet the minimum qualification requirements for the Lift Business Checking account, you must a) make 12 business debit card transactions, business credit card transactions, or ACH transactions that post and settle to your account; b) access Online Banking at least one time per month; and c) be enrolled in and receive e-statements on the account.

Monthly Qualification Cycle

The monthly qualification cycle is defined as the first day of the month, and the last day of the month.

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. For Regular Savings, Secondary Savings, Money Market, Business Interest Checking, and Non-Interest Checking accounts, 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 the minimum required share(s) in a Regular Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Savings, Secondary Savings, Christmas Club, Vacation Club, and Money Market, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the average daily balance method as stated in the Rate Schedule, dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend 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 For accounts using the daily balance method as stated in the Rate Schedule, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. Savings and Money Market Account Limitations

For Money Market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of your 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 Money Market accounts, the minimum amount you may withdraw is $500.00, with no online banking transfer restrictions. For Regular Savings, Secondary Savings, and Non-Interest Checking accounts, no account limitations apply.

7. Business Checking Accounts

For Business Interest Checking, Non-Interest Checking, and Lift Business accounts, please see Fee Schedule for limitations and minimums.

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: $1.00
Number of Shares Required: 1

9. Rates

The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on this Truth-In-Savings Disclosure/Business Rate Sheet. If you have any questions or require current rate information on your accounts, please call the Credit Union at (269) 382-7800.

10. Fees

See separate Fee Schedule of fees and charges for a listing of fees and charges applicable to your account(s).