disclosure

SPECIAL SHARE TRUTH IN SAVINGS
Rate Information:
As of ________ , the following dividend rates and annual percentage yields (APY) were paid on
the entire balance in this account.
Daily balance Dividend rate APY
$1,000.00 or more __________% ________%
The dividend rate and APY, listed above, may change every quarter as determined by the credit
union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type
the dividend period is quarterly, for example, the beginning date of the first dividend period of the
calendar year is January 1 and the ending date of such dividend period is March 31. All other
dividend periods follow this same pattern of dates. The dividend declaration date is the ending
date of a dividend period, and for this example, is March 31.
Minimum Balance Requirements and Fees:
There minimum balance to open this account is a deposit of $1,000 subsequent deposits and
withdrawals should be a minimum of $100. Any transaction that causes the balance to be less
than $1,000 will result in the account being closed; any remaining funds will be transferred to your
regular share account. The minimum balance to earn dividends is $1,000.
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the
principal in your account each day.
Accruals of Dividends:

Dividends will begin to accrue no later than the business day we receive credit for checks deposited
to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
The following transactions are limited to six per month:
*Automatic or preauthorized transfers from this account, including transfers to other share
accounts, overdraft transfers and preauthorized payments to a third party such as your
insurance company, utility company, etc.
*Transfers from this account made with the telephone, including those calls you make to a
credit union employee to conduct a transfer. (Certain fees may apply)

There are no limitations on the number of transactions:
*ATM
*To your credit union loan account
*As direct deposit allocations to family members' accounts at the credit union. Over the counter
withdrawals and requests for withdrawals by phone or mail are limited to two (2) per month
without a charge. Additional withdrawals within a calendar month will be available for a charge
of $1 each. If you exceed the transfer limitations set forth above in any month, your account will
be subject to closure by the credit union or to a fee of $1 per item. The board of directors may require
30 days advance notice of your intention to withdraw shares.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves
at the end of a dividend period.

Member accounts in this credit union are federally insured by
the National Credit Union Share Insurance Fund.

REGULAR SHARE TRUTH IN SAVINGS DISCLOSURE
Rate Information:
As of ________ , the dividend rate was __________% and the annual percentage yield (APY) was __________% on your regular share account. The dividend rate and APY may change every quarter as determined by the credit union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other
dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example, is March 31. If you close your regular share account before dividends are credited, you will not receive accrued dividends.
Minimum Balance Requirements and Fees:
The minimum balance to open this account is the purchase of a $5 share in the credit union. Within 6 months you must have a balance of $50 to maintain membership. The minimum
balance to earn dividends is $50.
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your accounteach day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
The following transactions are limited to six per month:
*Automatic or preauthorized transfers from this account, including transfers to other share accounts, overdraft transfers and preauthorized payments to a third party such as your
insurance company, utility company, etc.
*Transfers from this account made with the telephone, including those calls you make to a credit union employee to conduct a transfer. (Certain fees may apply)
There are no limitations on the number of transactions:
*ATM
*To your credit union loan account
*As direct deposit allocations to family members' accounts at the credit union
Over the counter withdrawals and requests for withdrawals by phone or mail are limited to three (3) per month without a charge. Additional withdrawals within a calendar month will be
available for a charge of $1 each. If you exceed the transfer limitations set forth above in any
month, your account will be subject to closure by the credit union or to a fee of $1 per item.
The board of directors may require 60 days advance notice of your intention to withdraw shares.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Member accounts in this credit union are federally insured by
the National Credit Union Share Insurance Fund.

CHRISTMAS & VACATION CLUB TRUTH IN SAVINGS DISCLOSURE:
Rate Information:
As of ________ , the dividend rate was __________% and the annual percentage yield (APY) was __________% on your club accounts. The dividend rate and APY may change every quarter as determined by the credit union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend
period, and for this example, is March 31. If you close your club account before dividends are credited, you will not receive accrued dividends.
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in your account each day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
The normal term of a Christmas club account is the 12 month period from October 1st through September 30th. Withdrawals cannot be made during this period.

Vacation club accounts may be opened at any time the credit union is open for business, however, withdrawals are limited to two (2) in any calendar year and are at the discretion of the member.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Member accounts in this credit union are federally insured by the
National Credit Union Share Insurance Fund.

INSURANCE CLUB ACCOUNT TRUTH IN SAVINGS DISCLOSURE
Rate Information:
As of ________ , the dividend rate was __________% and the annual percentage yield (APY)
was __________% on your insurance share account. The dividend rate and APY may
change every quarter as determined by the credit union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type
the dividend period is quarterly, for example, the beginning date of the first dividend period of
the calendar year is January 1 and the ending date of such dividend period is March 31. All other
dividend periods follow this same pattern of dates. The dividend declaration date is the ending date
of a dividend period, and for this example, is March 31. If you close your insurance share account
before dividends are credited, you will not receive accrued dividends.
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the
principal in your account each day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited
to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
The following transactions are limited to six per month:
*Automatic or preauthorized transfers from this account, including transfers to other share accounts, overdraft transfers and preauthorized payments to a third party such as your insurance company, utility company, etc.
*Transfers from this account made with the telephone, including those calls you make to a credit union employee to conduct a transfer. (Certain fees may apply)
There are no limitations on the number of transactions:
*In person
*At an ATM
*To your credit union loan account
*As direct deposit allocations to family members' accounts at the credit union
*Via a signed request mailed or delivered to the credit union
*By a telephone or preauthorized agreement when a check for the funds is mailed to you
If you exceed the transfer limitations set forth above in any month, your account will be subject to closure by the credit union or to a fee of $1 per item.
The board of directors may require 60 days advance notice of your intention to withdraw shares.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Member accounts in this credit union are federally insured by
the National Credit Union Share Insurance Fund.

MONEY MARKET CHECKING TRUTH IN SAVINGS DISCLOSURE
Rate Information:
As of ________ the dividend rate was ______% and the annual percentage yield (APY)
was ______% on your money market draft account. The dividend rate and APY may change every
quarter as determined by the credit union board of directors.
Compounding and Crediting:
Dividends will be earned daily and will be paid and compounded quarterly. For this account type
the dividend period is quarterly, for example, the beginning date of the first dividend period of the
calendar year is January 1 and the ending date of such dividend period is March 31. All other
dividend periods follow this same pattern of dates. The dividend declaration date is the ending date
of a dividend period, and for this example, is March 31.
Minimum Balance Requirements and Fees:
There is no minimum balance requirements for this account, however, you must make an initial
deposit of $1,000 to open this account. If the balance in this account falls below $1,000
at any time during a calendar month you will be charged $7.
The Board of Directors may require 60 days advance notice of your intention to withdraw shares.
Balance Computation Method:
Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal
in your account each day.
Accruals of Dividends:
Dividends will begin to accrue no later than the business day we receive credit for checks deposited
to your account. Cash deposits to your account earn dividends from the day of deposit.
Transaction Limitations:
Withdrawal transactions on this account are limited to six per month. This includes check/draft, EFT,
ATM, or over the counter. If you exceed the transfer limitations set forth above in any month, you will
be charged a fee of $5 per item.
Nature of Dividends:
Dividends are paid from current income and available earnings, after required transfers to reserves at the
end of a dividend period.
Fees:
The following fees and charges may be assessed:

If your balance is less than $1,000 during any calendar month your account will be charged $7
$5 per withdrawal in excess of six per month

Refer to services and fees schedule for a complete listing of fees and charges.

Member accounts in this credit union are federally insured by
the National Credit Union Share Insurance Fund.

Regular Share Truth In Savings Disclosure (TISD)