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Truth-in-Savings Disclosure

Share Savings

Rate information - The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the credit union board of directors.
Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend period - For this account type, the dividend period is quarterly; 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 March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last Thursday of the last month of the dividend period. For the example above, for the calendar year 2010, the dividend declaration date is March 25. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum balance requirements - The minimum balance required to open this account is $25.00. You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.
Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par value of a share - The par value of a share in this account is $25.00.
Fees and charges - An excessive withdrawal fee of $5.00 will be charged for each over-the-counter withdrawal in excess of three during a month.




Special Savings Account

Rate information - The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the credit union board of directors.
Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.
Dividend period - For this account type, the dividend period is quarterly; 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 March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last Thursday of the last month of the dividend period. For the example above, for the calendar year 2010, the dividend declaration date is March 25. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum balance requirements - No minimum balance requirements apply to this account.
Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Fees and charges - An excessive withdrawal fee of $5.00 will be charged for each over-the-counter withdrawal in excess of three during a month.




Tracker Kids Club Account

Rate information - The interest rate and annual percentage yield may change every quarter. We may change the interest rate for your account as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - The minimum balance required to open this account is $5.00.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Par value of a share - The par value of a share in this account is $5.00.




Christmas/Vacation Club Account

Rate information - The interest rate and annual percentage yield may change every quarter. We may change the interest rate for your account as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - No minimum balance requirements apply to this account.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Fees and charges - An early withdrawal fee of $25.00 will be charged for each withdrawal. This fee will not apply if the withdrawal is made within the first seven days the club account is open.




Money Market Account

Rate information - The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - The minimum balance required to open this account is $2,500.00. You must maintain a minimum average daily balance of $2,500.00 in your account to obtain the disclosed annual percentage yield.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.




IRA Accumulation Account

Rate information - The interest rate and annual percentage yield may change every quarter. We may change the interest rate for your account as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every quarter. Interest will be credited to your account every quarter.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - No minimum balance requirements apply to this account.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or computer transfer. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.
Fees and charges - A rollover/transfer fee of $25.00 will be charged each time funds are rolled over or transferred to another financial institution.




Totally Free Checking

Minimum balance requirements - No minimum balance requirements apply to this account.
Transaction limitations - No transaction limitations apply to this account unless stated in our Common Features.




Value Checking Account

Rate information - The interest rate and annual percentage yield may change every month. We may change the interest rate for your account as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - You must maintain a minimum average daily balance of $500.00 in your account to avoid a minimum balance fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a minimum balance fee of $4.00 for that month.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - No transaction limitations apply to this account unless otherwise stated in our Common Features.

 


Advantage Plus Checking Account

Rate information - The interest rate and annual percentage yield may change every month. We may change the interest rate for your account as determined by the credit union board of directors.
Compounding and crediting - Interest will be compounded every month. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.
Minimum balance requirements - No minimum balance requirements apply to this account.
Average daily balance computation method - Interest is calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations - No transaction limitations apply to this account unless otherwise stated in our Common Features.
Fees and charges - A service fee of $5.00 will be charged each calendar month.




Common Features

Bylaw requirements - You must complete payment of one share in your Share Savings account as a condition of admission to membership. If the balance in your Share Savings account falls below the par value of one share, and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership at the end of the six-month period.
Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.
Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

 
 

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3780 Vogel Road; Arnold, MO 63010|
314.962.6363 and 1.800.719.6363|
arsenalcu@arsenalcu.org