Draft (Checking)

Rate Information: No dividends paid on this account type.

Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.

Fees and Charges: Unlimited check clearning per month.  

ATM and Visa Draft Card access : ATM or Visa Draft cards are available with this account.(2 Free card max) 

Dormant Account Fee: If there is no activity in the account for 90 days and the account becomes dormant, there will be a $5.00 fee per month.  

Conversion: Conversion from another draft account will occur at the start of the following month. 

Compounding and crediting: Dividends will be compounded every month and credited to your account. 

Dividend period: For this account type the period is monthly. 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 January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. 

Minimum balance requirement: You must maintain a minimum daily balance of $300.00 in your account to avoid a monthly service fee. If, during any month, your account balance falls below the required minimum daily balance your account will be subject to a service fee of $3.00 once each month. 

Daily balance compounding method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

We also offer Organization and Small Business Accounts.  Please contact Member Services for more information.