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| Account Annual Percentage Yields and Dividend Rate | |||
| Shares**** | |||
|
|
DIVIDEND RATE |
APY |
|
|
Average daily balance
$25.00 - $99.99 |
.50% | .50% | |
|
Average daily balance
$100.00 - $499.99 |
.50% | .50% | |
|
Average daily balance
$500.00 or more |
.50% | .50% | |
| VACATION CLUBS | .50% | .50% | |
| CHRISTMAS CLUBS | .50% |
.50%
|
|
| FLEX CLUB | .50% | .50% | |
| IRA | 1.75% | 1.76% | |
|
SPECIAL INVESTMENT
Average daily balance $2,500 - $24,999.99 |
1.50% | 1.51% | |
|
SPECIAL INVESTMENT
Average daily balance $25,000 or more |
1.80% | 1.81% | |
|
MONEY MARKET
Average daily balance $3,000 - $24,999.99 |
1.75% | 1.76% | |
|
MONEY MARKET
Average daily balance $25,000 to $74,999.99 |
2.00% | 2.02% | |
|
MONEY MARKET
Average daily balance $75,000 or more |
2.25% | 2.27% | |
|
HEALTH SAVINGS ACCOUNTS
Average daily balance $100 - $1,000 |
1.25% | 1.26% | |
|
HEALTH SAVINGS ACCOUNTS
Average daily balance $1,000.01 - $5,000 |
1.50% | 1.51% | |
|
HEALTH SAVINGS ACCOUNTS
Average daily balance $5,000.01 - $10,000 |
2.00% | 2.02% | |
|
HEALTH SAVINGS ACCOUNTS
Average daily balance >$10,000 |
2.25% | 2.27% | |
| Share Certificates* | |||
|
TERM |
DIVIDEND RATE |
APY |
|
| 6 Months | 1.25% | 1.26% | |
| 1 Year | 1.40% | 1.41% | |
| 2 Years | 1.50% | 1.51% | |
| 3 Years | 1.60% | 1.61% | |
| 4 Years | 2.00% | 2.02% | |
| 5 Years | 2.00% | 2.02% | |
| Other Share Certificates** | |||
|
TERM |
DIVIDEND RATE |
APY |
|
| 6 Months | 2.25% | 2.27% | |
| 9 Months | 2.50% | 2.53% | |
| 1 Year | 2.75% | 2.79% | |
| 15 Months | 2.80% | 2.84% | |
| 2 Years | 2.85% | 2.89% | |
| 3 Years | 3.00% | 3.04% | |
| 4 Years | 3.25% | 3.30% | |
| 5 Years | 3.35% | 3.40% | |
| IRA Certificates*** | |||
|
TERM |
DIVIDEND RATE |
APY |
|
| 9 Months | 2.50% | 2.53% | |
| 1 Year | 2.75% | 2.79% | |
| 15 Months | 2.80% | 2.84% | |
| 2 Years | 2.85% | 2.89% | |
| 3 Years | 3.00% | 3.04% | |
| 4 Years | 3.25% | 3.30% | |
| 5 Years | 3.35% | 3.40% | |
The Annual Percentage Yield is accurate as of December 1, 2006 and may be subject to change without notice. Terms are subject to change without notice. Membership eligibility is required. A penalty may be imposed for early withdrawal. Contact an employee of Community Credit Union for further information on applicable fees and terms. Call (207) 783-2096 and speak with a Community Credit Union representative for more details. Minimum balance required for a share account at Community Credit Union is $25.00. |
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Rates are subject to change. |
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| Rate and Fee Schedule as of January 1, 2008 | |||
| SAVINGS ACCOUNT FEES* | |||
| Closing Account (Within 180 days) | $25.00 | ||
| Overdraft Protection (Per Transfer) | $ 3.00 | ||
| Overdraft of Savings Account | $25.00 | ||
|
Share to Share Transfer
(Per Transfer) |
between a Share Account at CCU and another Credit Union affiliated with TRICORP FCU | $10.00 | |
| MONEY MARKET ACCOUNT FEES | |||
| Less Than Minimum Draft Amount | $25.00 | ||
| Below Minimum Balance | $25.00 | ||
| Over Three (3) Drafts Per Month | $25.00 | ||
| Overdraft of Money Market Account | $25.00 | ||
| CHECKING ACCOUNT FEES** | |||
| Overdraft (Includes Electronic Fund Transactions) | $25.00 | ||
| Manually Cleared Checks/Drafts | $ 2.00 | ||
| Cancelled Draft Copies | $ 3.00 | ||
| (Same Day) | $ 5.00 | ||
| Returned Draft/Checks | $ 6.00 | ||
| Checking Accounts (Monthly) Service Fee | $ 1.00 | ||
| Business Checking (Monthly) Service Fee | $ 8.00 | ||
| Cancelled Money Order Copies | $ 3.00 | ||
| Cancelled Credit Union Checks | $ 3.00 | ||
| ATM/VISAŽ CARD(S) | |||
| ATM Card Transaction Fees | 4 per month at no charge, transactions thereafter | $ 1.00 | |
| Card Replacement | $ 5.00 | ||
| Overdraft on Account | $25.00 | ||
| Draft Retrieval Fee | $ 5.00 | ||
| Copy of Statement | $ 3.00 | ||
| Visa Debit Card | SURF Alliance/POS | Unlimited | |
| Visa Debit Card | Non-Surf/Foreign | $1.00 | |
| VISAŽ Late Fee | (Late Fee - Your VISA Account will be charged a Late Fee if payment is not recieved within 15 days of due date) | $25.00 | |
| Walk-Thru First Card | $20.00 | ||
| Each Additional | $15.00 | ||
| AUDIO RESPONSE (L.A. CONNECTION) | |||
| 8 per month at no charge, thereafter per call | $ 1.00 | ||
| IRA (INDIVIDUAL RETIREMENT ACCOUNT)-VARIABLE RATE | |||
| Closed Account Fee | $10.00 | ||
| TRANSFERS | |||
| Wire (Outgoing) | $20.00 | ||
| Wire Foreign (Outgoing) | $40.00 | ||
| Telephone Transfers | $ 3.00 | ||
| Wire Wester Union | $25.00 | ||
| STOP PAYMENTS | |||
| Electronic Stop Payment | $25.00 | ||
| Draft/Check | $25.00 | ||
| Money Order | $25.00 | ||
| Credit Union Check | $25.00 | ||
| MISCELLANEOUS | |||
| Legal Processing | $30.00 | ||
| Account Histories | $ 3.00 | ||
| Research on Microfiche (Copies) | Per Page | $ 1.00 | |
| Research (Additional to Cost of Copies) | |||
| Per Hour | $20.00 | ||
| Photo Copies | $ .50 | ||
| IRA Distribution Check (Mailed) | $ 1.50 each | ||
| Dividend Checks (Mailed) | $ 1.50 each | ||
| FAX (Service to Members) Incoming and Outgoing | |||
| Local 1st Page | $ 3.00 | ||
| Long Distance 1st Page | $ 6.00 | ||
| (Local/Long Distance - each additional page) | $ 1.00 | ||
| Inactive Accounts | (Accounts which have no activity for a period of 2 years (per month) | $ 2.00 | |
| No Forwarding Address/ Returned Mail | |||
| First Item | $ 3.00 | ||
| Any Item After | $ 1.00 | ||
| Money Orders | $ 1.00 | ||
| Credit Union Checks | $ 1.00 | ||
| Canadian Checks | (5% over the exchange rate) | ||
| Canadian Exchange | $10.00 | ||
| Notary Service (Non-Member) | $10.00 | ||
| American Express Travelers Cheques | $25.00 | ||
| Single signature - 1% of amount purchased | |||
| Two signatures - 1 1/2% of amount purchased | |||
| American Express Gift Cheques | $ 3.00 | ||
*Between a Share Account at Community Credit Union and another Credit Union affiliated with TRICORP Federal Credit Union. |
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Rates are subject to change. |
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| Rate and Fee Schedule Addendum October 2006 | |||
| Health Savings Account Fees | |||
| Cancelled Draft Copies |
same day |
$3.00
$5.00 |
|
| Returned Draft/Checks Deposited | $6.00 | ||
| Draft Covers | $2.00 | ||
| Overdraft of Health Savings Account | $25.00 | ||
| Manually Cleared Drafts/Checks | $2.00 | ||
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Rates are subject to change. |
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