Chivaho Federal Credit Union : Rates

Shares
$50 and above	.50 APY
Holiday Club	1.00 APY
Share Draft
$50 and above	.25 APY

IRA Share	1.78 APY

Diamond Share Account (Minimum Deposit $1,000)
$1,000 - 9,999.00	.55 APY
$10,000 - 49,999.00	.80 APY
$50,000 - 99,999.99	1.10 APY
$100,000 - Above	1.50 APY
Share Certificates (Minimum Deposit $500)
6 Month:	.70 APY
12 Month:	.80 APY
18 Month:	.90 APY
24 Month	1.20 APY
30 Month	1.30 APY
Rates are subject to change without notice. Contact the Credit Union for more information on current rates.

Loans

Home Equity Loans
1 - 20 Years (80% of appraised value):	5.00%- 13.50%
New Car Rates 2009-2008(Under 10,000 miles)
Up to 72 Months:	3.99% - 11.00%
73 to 84 Months	4.25% - 12.25%
Used Car Rates
2007 - 60 months:	3.99% - 11.99%
2006 - 60 months:	3.99% - 11.99%
2005 - 60 months:	4.25% - 12.25%
2004 - 60 months:	4.25% - 12.25%
2003 - 60 months:	4.25% - 12.25%
2002 - 60 months:	4.25% - 12.25%
2001 - 36 months:	7.50% - 15.50%
Line Of Credit Loans
Line of Credit	9.90%-17.99%
Signature Loans
Up to Available limit - 48 months	9.90% - 17.90%
*Rates are subject to change	Contact the CU for current rates

Membership Fees

Credit Union Membership
Membership Share:	5.00 par value
Share Account Fees
NSF ACH Return Fee:	$ 25.00 per item
ACH Return (other than NSF) Fee:	$ 25.00
Dishonored Item fee:	$ 25.00 per item
Share Draft Account Fees
Overdraft Fee:	$ 25.00 per item
NSF fee:	$ 25.00 per item
Dishonored Item Fee:	$ 25.00 per item
ATM/Debit Card NSF Fee	$ 25.00 per item
Stop Payment Fee:	$ 25.00 per item Upon Placement
Courtesy Pay Fee	$25.00 per item
Share Draft Printing Fee:	Prices may vary depending upon style.
Other Service Fees (applicable to all accounts)
Account Reconciliation Fee:	$10.00 per hour
Statement/Acct History Fee	$ 5.00 per copy
Dishonored Item Fee:	$ 25.00 per item
Wire Transfer (incoming) Fee:	$ 15.00 per transfer
Wire Transfer (outgoing) Fee:	$ 15.00 per transfer
Wire Transfer (International)	$ 30.00 per transfer
Credit Union Official Check:	$ 3.00 per check
Escheatment/Legal Process Fee	$ 25.00 per Document
Stop Pay Credit Union Check:	$ 30.00 per item
Credit Union Replacement Check	$ 5.00 per item
Travelers Check	$ 1.00 per $100
Travelers Check for Two (2) Fee	1.50 per $100.00
Money Order Fee	$ 1.00 per item
Copy of Draft Fee:	$ 3.00 per draft
Garnishment Fee	$25.00 per item
Return Mail Fee	$ 2.50 per item
Share Account Closed within 90 days	$ 5.00 per account
*The rates and fees appearing in this Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your account, please call the Credit Union.

Disclosures

Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share, Christmas Club, Member Escrow, Sub-Share, Organizational Share and Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule.
Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns the dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
Accrual of Dividends. For Share, Christmas Club, Member Escrow, Sub-Share Organizational Share and Share Draft accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For Share, Christmas Club, Members Escrow, Sub-Share, Organizational Share and Share Draft accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share, Christmas Club, Member Escrow, Sub-Share and Organizational Share accounts, there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For Share, Christmas Club, Member Escrow, Sub-Share, Organizational Share and Share Draft accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
Account Limitations. For all accounts, no account limitations apply.
Fair and Accurate Credit Transactions Act of 2003. As required by the Fair and Accurate Credit Transactions Act of 2003, Chivaho Federal Credit Union wants to inform you that we may report information about your account to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and/or consumer report.

Shares

Loans

Membership Fees

Disclosures