| What It Is | An insured dividend paying account |
| What It Does | Allows you to earn dividends at higher tiered rates while giving them immediate access to their funds. |
| Who Is Eligible | Anyone who has a membership with us and keeps a higher balance in their savings |
| Opening Deposit | $2,500.00 – must maintain this balance minimum or a fee will be assessed. See monthly service fee section below* |
| Minimum Balance to Earn APY |
$0.01 |
| Monthly Service Fee* | $10.00 ONLY if balance falls below $2,500.00 at any time during the month |
| Dividends Paid | YES Monthly |
| Tiered Rate |
YES $0.00 – $2,499.99 $2,500.00 – $9,999.99 $10,000.00 – $24,999.99 $25,000.00 – $49,999.99 $50,000.00 – $99,999.99 $100,000.00 – $249,999.99 $250,000.00 + |
| How often can APY change? |
Monthly |
| Dormant Fee | NO |
| Banlance Method | Daily – meaning dividends are calculated by applying a rate to the balance in the account each day |
| Debit Card Allowed | NO |
| Limit on Withdrawals or Transfers |
YES Max of 6 Call24, preauthorized, or automatic transfers from account per month |
| Withdrawal Fee | $2.00 Charge ONLY if funds are w/d in a cashiers checks below $3,000.00 |
