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Deposit Disclosures

Checking Money Market
Business Checking IRA Money Market
Certificates Savings
IRA Certificates

Checking

Power Interest Checking

1 The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $25,000 will earn the stated higher rate and the portion of the balance over $25,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. Dividends will be earned if your account meets all of the following monthly requirements: Monthly direct deposit of at least $500 into your Power Interest Checking account, enrollment in online statements with a valid email address, and complete a minimum of fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn interest and will be charged an ATM Excessive Withdrawal Fee for each ATM transaction over five per month. See Service Charges and Fees Schedule in Deposit Account Agreement for further details. Power Interest Checking is available as a personal account only and limited to one account per member.

Total Access Checking

*To receive the Total Access $10 ATM fee reimbursement, the following requirements must be met: monthly direct deposit of at least $500 into your checking account, enrollment in online statements with a valid email address, and complete a minimum of fifteen (15) qualifying transactions that include any combination of the following: Debit card PIN, Debit card signature, Credit card purchases, Online Bill Pay or ACH payments which apply toward the monthly requirements in the month they post to your account.

Preferred Interest Checking

2 The dividend rate and Annual Percentage Yield (APY) may change at any time. There is no minimum balance required to open the account. This is a tiered rate account. External deposits totaling $500 or more per month onto your Preferred Interest Checking account is required to earn monthly dividends. The applicable BCU excessive ATM withdrawal fee for each ATM transaction over five per month applies. See the Deposit Account Agreement for details.

Business Checking

Premier Business Checking

3 Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Account Agreement, Disclosures and Fee Schedule for additional terms and conditions.

Certificates

4 The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal.

5 To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

††† Dividend rate and Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. Minimum deposit of $50 required and cannot exceed a maximum deposit of $25,000 per child. Child must be first on account and have the child’s SSN on account. Child must be equal to or under 18-years of age. Rewards rates do not apply. Certificate will automatically renew into a 36-month certificate upon maturity.

IRA Certificates

6 The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.

Money Market

7The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, check card (if applicable), or similar order to a third party. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market

8 IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

Savings

9 Dividends paid monthly on average daily balance.

Rainy Day Savings Account

¹Rainy Day Savings is a tiered, interest-bearing account based on qualifying activity and balance. To qualify for the stated APY, a monthly deposit must be made of at least $25, not to exceed $500. During the first calendar month only, a member may deposit up to $1,000. Deposit amounts exceeding the monthly maximum deposit will be transferred to the member’s Regular Savings account. Balances for the first 12 consecutive qualifying calendar months; beyond the first 12 months, but less than $25,000; and above $25,000 will earn different rates as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular Savings rate will be paid. Rates are subject to change without notice. No withdrawal is allowed for the first 90-days and two withdrawals are allowed per calendar year. Additional withdrawals will result in a penalty which reduces earnings. Limit one account per individual.

Health Savings Account (HSA)

†† The Annual Percentage Yield (APY) and dividend rate may change at any time. Rates are effective as of the first day of the month. There is no minimum balance requirement to open a HSA. This is a custodial account offered by BCU. This account is intended to qualify as a HSA under the Internal Revenue Code (IRC) Section 223 and is to be used for payment of qualified medicals expenses only. You are solely responsible to ensure that contributions, distributions and other actions related to your HSA comply with law, including federal tax law. We recommend that you consult with legal or tax professionals if you have questions about managing your HSA. Please refer to your HSA Agreement for additional information related to your HSA.