Fees & Disclosures

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Dividend Checking
Dividends will be compounded and paid to the account quarterly. The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is March 31. The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates.

FREE Checking
This is not a dividend earning account.

Money Market Account
Dividends will be compounded and paid to the account monthly. The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is January 31. The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates.

Dividend Checking
$20.00 daily minimum balance to earn dividends.

FREE Checking
No minimum balance requirement.

Money Market Account
$10,000.00 minimum to open, and $10,000.00 minimum balance to earn the disclosed APY and dividend rate. If the account falls below $10,000.00, the current Share Savings APY and dividend rate will be paid.

Dividend Checking and FREE Checking
Prices vary depending on style. First 50 checks (drafts) are free for new accounts.

Money Market Account
Free of charge. Check style at CCU's discretion.

Share Savings and Special Savings
Dividends will be compounded and paid to the account quarterly. The beginning date of the first dividend period is January 1 and the ending date of such dividend period is March 31. The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates.

Super Share and Share IRA
Dividends will be compounded and paid to the account monthly. The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is January 31. The dividends are paid after close of business on the last day of the dividend period. All other dividend periods follow this same pattern of dates.

Minimum Balance Requirements
The minimum daily balance to earn dividends is $20.00. The minimum balance to open a Super Share Savings account is $1,000. The Super Share Savings account pays different annual percentage yields for different balance levels. If the Super Share balance falls below $1,000, the current Share Savings rate will be paid. See RATES page.

Transaction Limitations
Federal Regulation D allows a maximum of six non-in-person transfers from each savings account to another account or third party per month. Savings accounts include any CCU savings, additional savings or Money Market Account. Transfers include those made online, on mobile, through our telephone banking system or call center and ACH transfers. All IRA accounts may be subject to withdrawal penalties according to IRA rules.

For 6-month certificates, dividends will be compounded and credited to the account at maturity. For all other certificate maturities, dividends will be compounded and paid to the account quarterly and at maturity. The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is March 31. The dividends are paid by crediting to the account on the last day of the dividend period. All other quarterly dividend periods follow this same pattern of dates.

Minimum Balance Requirements
The minimum balance required to open a share certificate or Youth Saver Certificate (available only to members under the age of 18) is $100.00. The minimum balance to open an IRA certificate is $1,000.00.

Renewal Policy
A certificate carries a ten-day grace period following its maturity date, in which you may do what you wish with the balance. If we do not hear from you during this period, your certificate will automatically renew for the same term at the dividend rate on the date of maturity.

Transaction Limitations
After the account is opened, you may not make deposits into the account until the maturity date listed on the certificate.

Early Withdrawal Penalties
The penalty for withdrawing any of the funds in a 6- or 12-month certificate before the maturity date is loss of 90 days' dividends at the certificate rate. Early withdrawal from all other certificates results in 180 days' dividends penalty at the certificate rate. Early withdrawal of funds from an IRA certificate may also be subject to tax penalties.

Dividend Compounding and Crediting
For Super Share Certificates and Super IRA Share Certificates, dividends will be compounded and credited to the account quarterly and at maturity. The beginning date of the first dividend period of the year is January 1 and the ending date of such dividend period is March 31. The dividends are paid by crediting to the account on the last day of the dividend period. All other quarterly dividend periods follow this same pattern of dates.

Minimum Balance Requirements
The minimum balance required to open a Super Share Certificate or Super IRA Share Certificate is $100,000.00.

Renewal Policy
Super Share Certificates and Super IRA Share Certificates are non-renewable, at maturity they will roll into a share account or share IRA account.

Transaction Limitations
After the account is opened, you may not make deposits into the account until the maturity date listed on the certificate.

Early Withdrawal Penalties
The penalty for withdrawing any of the funds in a Super Share Certificate or Super IRA Share Certificate before the maturity date is loss of 365 days' dividends at the certificate rate. Early withdrawal of funds from an IRA certificate may also be subject to tax penalties.