Disclosures

Deposit Rates

*APY is Annual Percentage Yield. Rates are subject to change without notice. Not all rates and terms are shown. Contact us for current rates and terms or other conditions or limitations. Dividends compounded monthly and compound if allowed to remain in account. Share, IRA & Club Account Dividends are declared monthly at the end of the month.

Nature of Dividends – Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.  Dividend rates are declared periodically and are subject to change.

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 period and dividing that figure by the number of days in the period.  The period we use to make this calculation is monthly.

Effect of Closing an Account – If you close your account before dividends are paid, you will not receive the accrued dividends.

Fees and other conditions may reduce the earnings.

Certificate and Holiday Club Penalty – Penalty may be imposed for early withdrawals.

Variable rate certificates change monthly on the 1st of the month to the 26-week or 52-week Treasury Bill rate that was in effect as of the last day of the previous month. Step Up feature not available on Variable Certificates.

Other terms and limitations may apply to these accounts.  You may obtain a current copy of the “Master Account Agreement” “Fee Schedule” by contacting the credit union office at 1(888) 281-8485 or by emailing us at Info@eaglefederal.org.