Credit Union 3Rd Shift

Location:

Memphis, TN

Salary:

$18

Posted:

September 17, 2024

Contact this candidate

Resume:

©TruStage Compliance Solutions ****, ****, **-**, 202*-********-D3700-P-1-020224 (TISDM2 D37006)-e

TRUTH-IN-SAVINGS DISCLOSURE

EFFECTIVE DATE:

The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time. RATE SCHEDULE

ACCOUNT TYPE

DIVIDENDS BALANCE REQUIREMENTS

ACCOUNT

LIMITATIONS

Dividend Rate/

Annual Percentage Yield

(APY)

Dividends

Compounded

Dividends

Credited

Dividend

Period

Minimum

Opening

Deposit

Minimum

Balance to

Avoid a

Service Fee

Minimum

Balance to

Earn the

Stated APY

Balance

Method to

Calculate

Dividends

Regular Share / Monthly Monthly Monthly

(Calendar) $1.00 — — Daily

Balance —

Custom Share / Monthly Monthly Monthly

(Calendar) — — — Daily

Balance —

IRA Share / Monthly Monthly Monthly

(Calendar) $5.00 — — Daily

Balance —

Prime Money

Management

$2,000.00 to $9,999.99

$10,000.00 to $24,999.99

$25,000.00 or greater

Monthly Monthly Monthly

(Calendar) — — $2,000.00 Daily

Balance

Account transfer and

withdrawal limitations apply.

Premiere Money

Management

$25,000.00 to $49,999.99

$50,000.00 to $99,999.99

$100,000.00 to $249,999.99

$250,000.00 or greater

Monthly Monthly Monthly

(Calendar) — — $25,000.00 Daily

Balance

Account transfer and

withdrawal limitations apply.

Checking — — — — — — — — —

Advantage Checking

Qualifications Met

(see section 2)

Qualifications Not Met

(See Section 2)

Monthly Monthly Monthly

(Calendar) — — $2,000.00 Daily

Balance —

Privilege Checking

Qualifications Met

(see section 3)

Qualifications Not Met

(See Section 3)

Monthly Monthly Monthly

(Calendar) — — $25,000.00 Daily

Balance —

06/01/2024

0.05% 0.05%

0.50% 0.50%

1.20% 1.21%

1.25% 1.26%

1.50% 1.51%

2.00% 2.02%

3.50% 3.56%

.75% .75%

0.00% 0.00%

.80% .80%

0.00% 0.00%

04506102-D3700-P-1-020224 (TISDM2 D37006)-e

ACCOUNT DISCLOSURES

Except as specifically described, the following

disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are

share accounts.

1. 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 Regular Share, Custom Share, IRA Share, Prime

Money Management, Premiere Money Management,

Advantage Checking, and Privilege Checking accounts, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Prime Money Management and Premiere Money

Management accounts are tiered rate accounts. The

balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

2. ADVANTAGE CHECKING — For Advantage

Checking accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification

requirements for monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 10 Debit card purchases that post and settle your account; 2) have direct deposit of at least $200.00 settle your account; and 3) be enrolled in online banking and to receive estatements. Business days are defined as Monday

through Saturday (excluding Federal Holidays). The monthly qualification cycle is defined as the calendar day following the second to last business day of the previous month through the second to last business day of the current month. Account transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. The following transactions do not count toward earning account rewards: ATM-

processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, PINbased or signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. The Advantage Checking account is a tiered rate account. If you meet the minimum qualification

requirements for Advantage Checking account during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule if your balance is $2,000.00 or greater. In addition, we will refund up to $15.00 in ATM fees assessed at nationwide ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Advantage Checking account, the second dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Advantage Checking account.

3. PRIVILEGE CHECKING — For Privilege Checking

accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for monthly qualification cycle. To meet the minimum

qualification requirements, you must: 1) make 10 Debit card purchases that post and settle your account; 2) have direct deposit of at least $200.00 settle your account; and 3) be enrolled in online banking and to receive

estatements. Business days are defined as Monday

processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, PINbased or signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. The Privilege Checking account is a tiered rate account. If you meet the minimum qualification

requirements for Advantage Checking account during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule if your balance is $25,000.00 or greater. In addition, we will refund up to $25.00 in ATM fees assessed at nationwide ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Privilege Checking account, the second dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your Privilege Checking account.

4. NATURE OF DIVIDENDS — Dividends are paid from

current income and available earnings after required transfers to reserves at the end of the dividend period. 5. DIVIDEND COMPOUNDING AND CREDITING —

The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

6. ACCRUAL OF DIVIDENDS — For all earning

accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

7. BALANCE INFORMATION — To open any account,

you must deposit or already have on deposit the minimum required share(s) in a share account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Prime Money Management, Premiere Money Management,

Advantage Checking, and Privilege Checking accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.

8. ACCOUNT LIMITATIONS — For Prime Money

Management and Premiere Money Management

accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Prime Money Management and Premiere Money Management

04506102-D3700-P-1-020224 (TISDM2 D37006)-e

accounts, you are limited to three (3) withdrawals by check per month. For Regular Share, Custom Share, IRA Share, Checking, Advantage Checking, and Privilege Checking accounts, no account limitations apply.

9. FEES FOR OVERDRAWING ACCOUNTS — Fees

for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card

transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds

Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft,

regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your

approved limit. Please refer to the Schedule of Fees and Charges for current fee information.

For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.

10. MEMBERSHIP — As a condition of membership, you must purchase and maintain the minimum required

share(s) as set forth below.

Par Value of One Share $1.00

Number of Shares Required 1

11. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

12. FEES — See separate schedule of fees and charges for a listing of fees and charges applicable to your account(s).

LOCATIONS

State Department Branch

Room B-641 2201 C St NW

Washington, DC 20521

703-***-****

Alexandria Branch

1630 King St.

Alexandria, VA 22314

703-***-****

Ft. McNair Branch

Building 41, Fort Lesley J. McNair