Rate and Fee Schedule

Terms and Fees Disclosure

Except as specifically described, the following disclosures apply to all the accounts.

1. RATE INFORMATION

   The Dividend Rate and Annual Percentage Yield on your accounts are stated on the rate page. The Annual percentage Yield is the percentage rate that reflects the total of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union Board of Directors.

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. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

3. COMPOUNDING AND CREDITING

   Dividends will be compounded and credited as stated on the rate page. The Dividend Period for each account is also stated on the rate page. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

4. ACCRUAL OF DIVIDENDS

   Dividends will begin to accrue on non-cash (e.g. checks) and cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are paid, you will not receive the accrued dividends.

5. BALANCE INFORMATION

   The minimum balance required to open each account is stated on the rate page. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. For all accounts there is a minimum daily balance requirement to earn dividends. If you do not meet these daily balance requirements, your account may not earn dividends.

6. ACCOUNT LIMITATIONS

   For money market savings accounts or special savings accounts you may not make more than six (6) preauthorized, automatic, telephonic, audio response, Internet or overdraft transfers to another account of yours or to a third party during any calendar month. If you exceed the transfer limitations in any calendar month, your account may be subject to a transfer fee or be closed.

7. REWARDS CHECKING QUALIFICATION & ENHANCEMENTS

   The Rewards Checking account is a tiered rate account based upon satisfying certain qualifications. If a primary member* meets the Rewards Checking qualifications for a particular month, the Dividend Rate and Annual Percentage Yield for the following month will be the highest Dividend Rate and Annual Percentage Yield shown. If you do not meet the Rewards Checking qualifications in one month, the Dividend Rate and Annual Percentage Yield will be the lowest Dividend Rate and Annual Percentage Yield shown. Qualifying transactions must posted to the account prior to the last day of the month. Debit & credit card purchases can take up to 3 days to post and are dependent on merchant processing times.

   *At least one membership account where an individual is named as the primary member must meet all qualifications.

   The qualifications for Rewards Checking enhancements include:

   • 10 debit or credit card purchases per month
   • enroll in and maintain eStatements, eNotices, eTax & eCoupons for your accounts and loans
   • $300 minimum monthly ACH credit transaction or $5000 in deposit or loan balances

   
   In addition to a higher Rewards Checking Dividend Rate and Annual Percentage Yield, the benefits include:

   • No monthly service fee
   • Free Bill Pay
   • Surcharge refund up to $20/mo per member
   • Note: Qualified members who use out-of-network ATMs in the month following qualification will be rebated surcharges in the next month. Members with multiple memberships, the rebate will be posted to the checking account of the lowest numbered membership.
   • 1 box of 50 duplicate exclusive design checks per order at no charge (when ordered in the qualifying month)
   • Unlimited Star One ATM withdrawals ... no charge
   
   
8. FEES AND CHARGES

   Checking Accounts
   Monthly Service Charge:
   Free, Rewards and Student Checking	No Charge
   Student Checking (age 25 and younger) Surcharge refund up to $10/mo per member.	No Charge
   Check Printing Charges:
   Initial order of 50 duplicate exclusive design checks	No Charge
   One box of 50 duplicate exclusive design checks.	$ 8.06
   One box of 100 duplicate exclusive design checks Additional styles and designs are subject to vendor pricing	$ 11.29
   Per Check Charge	No Charge
   Overdraft Transfer Fee (See account limitations):
   From savings in $100 increments	No Charge
   Amount of overdraft, if less than $100 is available and balance is sufficient to cover overdraft	No Charge
   Check Copy** NOTE: Up to 2 check copies with respect to each statement cycle will be provided at no charge when the following information is supplied: check number, amount, payee, posting date and trace number (posting date and trace number are shown on the monthly statement).	$ 2.00 each
   Rush/Faxed Check Copy	$ 5.00 each
   Postdated Order (per check) (Postdated orders must be in writing)	$ 15.00
   Bill Pay	No Charge
   Cashier's Checks
   First Check request per day	No Charge
   Up to 3 checks per day with account or loan relationship ≥ $5,000 or more	No Charge
   Each additional check(s) issued at the Teller Window NOTE: No charge for checks payable to members for any amount through the Touchtone Teller or Secure Support link in Online Banking.	$ 3.00
   Stop Payment Order	$ 15.00
   Other Fees
   Return Item Fee/Overdraft (Courtesy Pay) Fee (per check/ACH item) (Limit of 3 NSF/CP fees per day) 1st occurrance free in year, subsequent items Returned due to: insufficient funds in account, closed account, refer to maker, improper completion of check, incorrect account number, check written against deposited funds not yet collected by the Credit Union, checks paid against insufficient or uncollected funds or items/checks overdrawing account paid for by the Credit Union (Courtesy Pay).	$ 15.00
   Courtesy Pay Negative Balance Threshold Limit	No charge for $30 or under
   Foreign Check Collection Fee (Plus any bank charges - if applicable)	$ 50.00
   Domestic Check Collection Fee	$ 20.00
   Outgoing International ACH (Limited Countries)	$ 20.00
   Incoming International ACH Fee	No Charge
   Incoming Wire Fee	No Charge
   Domestic Outgoing Wire Fee	$ 40.00
   With account or loan relationship ≥ $5,000	$ 30.00
   International Outgoing Wire Fee	$ 60.00
   With account or loan relationship ≥ $5,000	$ 50.00
   Duplicate Statement Copy	$ 3.00
   Legal Response Fee (per request)	$ 28.00
   Account Research/Reconciliation (per hour) (Based on 15-minute increments)	$ 28.00
   Expedited Package Delivery, Domestic Only available for CU business	Subject to vendor pricing
   Expedited Package Delivery, International Only available for CU business	Subject to vendor pricing
   Returned Deposit/Payment from member	$ 15.00
   Returned Deposit/Payment from non-member	$ 10.00
   Stop Payment Order (including ACH) Via Branch or Call Center Via Online Banking	$ 15.00 $ 5.00
   Medallion Stamps (per person) 2nd and subsequent signature	Limit of 1 free $ 10.00
   Travelers Checks	No Charge
   VISA Gift Card	$ 3.95 each
   Notary Fee - (per person)	Limit of 1 free
   2nd and subsequent notarized document	$15.00
   Verification of Deposits and Immigration Letters	$ 5.00 each
   Non-Member Check Cashing Fee	$ 5.00 each
   Escheat Notification - 2nd Notice	$ 2.00
   Escheat Notification - accounts <$25 State Regulated	No Charge
   Invalid Address (2nd and each subsequent notice)	$ 2.00
   VISA Currency Conversion/Foreign Transaction Fee	No Charge
   Replacement Cards	First free per year, subsequent $5.00
   Electronic Funds Transfer Fees
   Transactions at Star One CU owned ATM	No Charge
   Point of Sale Purchases	No Charge
   Transactions at non-proprietary ATM or merchant: Additional fees may be imposed by the machine owner or merchant. These will be assessed and disclosed at the machine or Point of Sale terminal.
   ATM Cash Withdrawals:
   First twenty (20) per calendar month	No Charge
   21st and subsequent per calendar month	$ 1.00 each
   On membership accounts with deposit or loan balances that total $5,000 or more during the last five days of the previous calendar month	Unlimited, No Charge
   Transfers	No Charge
   ACH Funds Transfer Fee (restrictions apply)
   In-Branch
   Recurring ACH Transfer Set-up (incoming)	No Charge
   Recurring ACH Transfer Set-up (outgoing)	$ 5.00
   Recurring ACH Cancellation Free (within 90 days of set-up)	$ 5.00
   Online Banking
   ACH Online Self Service Set-up	No Charge
   Each Online Standard ACH Transfer (incoming)	No Charge
   Each Online Standard ACH Transfer (outgoing)	No Charge
   Each Online Express ACH Transfer (incoming)	$ 5.00
   Each Online Express ACH Transfer (outgoing)	$ 5.00