* All rates are quoted "as low as".   * Rates are based on your credit bureau and use of other services. * The rates listed above are offered to members who have excellent credit and sufficient income to meet the payments.   * Rates increase if there has been previous credit problems. (1) Any minimum, fixed, transaction, activity or similar charg that could be imposed. In other words, any fee considered a finance charge.  (2) Any periodic rate that may be applied expressed as an annual percentage rate. If the plan provides for a variable periodic rate, that fact must be disclosed. In disclosing the annual percentage rate in an advertisement for a variable-rate plan, the credit union may use an insert showing the current rate; may give the rate as of a specified recent date; or may disclose an estimated rate. Your credit union could also disclose that the annual percentage rate may vary or a similar statement.   (3) Any membership or participation fee that could be imposed.   (4) Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan,  stated as a single dollar amount or a reasonable range.   (5) The maximum annual percentage rate that may be imposed in a variable-rate plan.

 

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VISA CREDIT CARD

Interest Rates and Interest Charges	VISA PLATINUM PLUS AND VISA PLATINUM APPLICATION AND SOLICITATION DISCLOSURE
Annual Percentage Rate (APR) for Purchases   .	Visa Classic 11.90% to 17.90% when you open your account, based on your creditworthiness.  Visa Gold 9.90% to 17.90% when you open your account, based on your creditworthiness.  Visa Platinum 8.90% to 17.90% when you open your account, based on your creditworthiness.
APR for Cash Advances APR for Balance Transfers	Visa Classic 11.90% to 17.90% Visa Gold        9.90% to 17.90% Visa Platinum 8.80% to 17.90% when you open your account, based on your creditworthiness.
APR for Delinquent Payments	Your interest rate, including those at reduced or promotional rates will increase to 17.90% on your next monthly statement if you fail to pay at least the Minimum Payment amount due by the due date twice in any six (6) month period. If, thereafter, you pay at least the Minimum Payment amount due by the payment due date for nine (9) consecutive billing cycles, the annual interest rate will be the rate then in effect for Purchases or Cash Advances as applicable (which is currently 17.90%), effective the first day of the billing cycle immediately following the nine (9) month period.
Interest-free Grace Period	You will benefit from an interest-free grace period of at least 21 days if each month we receive payment of your full balance by the payment due date set out in your account statement1. No grace period will apply if your prior month’s account balance is not paid in full by the due date. There is no grace period for cash advances
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Minimum Payment	Classic and Gold Cards3.0% of the balance due or $20       Platinum Cards 2.5% of the balance due or $25     (whichever is greater)
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
International Visa Service Fee  Foreign Currency Conversion	0.8% 1% if there is a currency conversion
Other Fees	Annual Fee None	Cash Advances Fee  None	Balance Transfer Fee None	Transaction Fee for Purchases   None
	Over Limit Fee  $15.00
	Late Payment Fee - Payments are due by the 30th day of each month   VISA Classic Fee: $10.00    VISA GOLD Fee: $10.00    VISA Platinum Fee: $25.00
	Return Check Fee $24.00 per item
	Card Replacement Fee $10.00
	Document Fee - for copies of statements or sales drafts $12 for original single drafts and copies $7.50 per item
	Card Pick-up Fee - for each card that is picked up by a merchant as lost, stolen or declined $65
	International ATM Cash Disbursement Fee $1.25 when access fee has not been imposed. $0.50 when an access fee has been imposed.
All terms and conditions are subject to change

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SHARE  RATES

SAVINGS & CHECKING Account Type Dividend Rate APY* Share 0.20% 0.20% APY Christmas 0.20% 0.20% APY * APY = Annual Percentage Yield   Auto Loans  |  Loans  |  Shares  |  Certificates  | Money Market |  IRAs  |  Top

SHARE CERTIFICATE RATES

SHARE CERTIFICATES            CD's Penalty incurred for early withdrawal Term Minimum Deposit Annual Percentage Yield Dividend Rate 6 Month $250. Children   $500. Adults     .50% APY .50% 1 Year $1,000.00 .80% APY .80% 2 Year $1,000.00 1.00% APY 1.00% 3 Year $1,000.00 1.00% APY 1.00% 4 Year $1,000.00 1.00% APY 1.00% 5 Year $1,000.00 1.00% APY 1.00% * APY = Annual Percentage  Yield. Interest will compound quarterly to the certificate, will pay to another account, or will accrue until maturity.  If no action is taken at time of maturity, the CD will renew at a six (6) month term. Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date. For all accounts, the amount of the early withdrawal penalty is 90 days of dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Penalty incurred for early withdrawal 90 days.  Checking Account With Direct Deposit Or 50% New Money to SACU Is Required. Rates subject to change without notice.           Auto Loans  |  Loans  |  Shares  |  Certificates  | Money Market |  IRAs   |  Top

IRA RATES

Traditional -- Roth    IRA SHARE ACCOUNT  Penalty incurred for early withdrawal  IRA SHARE CERTIFICATES  (CD's)
Term	Minimum  Deposit							Annual Percentage Yield	Dividend Rate
Passbook	$250.00							1.01% APY	1.00%
6 Month	$250. 00							.50% APY	.50%
1 Year	$1,000.00							.80% APY	.80%
2 Year	$1,000.00							1.00% APY	1.00%
3 Year	$1,000.00							1.00% APY	1.00%
4 Year	$1,000.00							1.00% APY	1.00%
5 Year	$1,000.00							1.00% APY	1.00%

* APY = Annual Percentage  Yield. Interest will compound quarterly to the certificate, will pay to another account, or will accrue until maturity.  If no action is taken at time of maturity, the CD will renew at a six (6) month term. Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date. For all accounts, the amount of the early withdrawal penalty is 90 days of dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Penalty incurred for early withdrawal 90 days.  Checking Account With Direct Deposit Or 50% New Money to SACU Is Required. Rates subject to change without notice.

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MONEY MARKET RATES

Money Market Accounts
Type	Minimum Deposit					Annual Percentage Yield	Dividend Rate
Standard	$2,500.00					.40% APY	.40%
Gold	$25,000.00					.45% APY	.45%
Platinum	$50,000.00					.50% APY	.50%
Jumbo	$100,000.00					.70% APY	.70%

 

* APY = Annual Percentage  Yield.       Money Market Account Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. This account is tiered which means it pays different dividend rates corresponding to applicable account tiers, on the applicable balance in each tier of the account. The applicable tiers, dividend rate and annual percentage yield for each tier will be as listed in the credit union's current Rate Schedule. Compounding and Crediting: Dividends will be compounded monthly and will be credited to your account monthly.  Dividend Period: for this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending of a dividend period, and for the example above is February 1.   Effect of closing an account - If you close your account before interest is paid, you will not receive the accrued interest.  Type Standard Gold Platinum Jumbo Minimum Balance Requirement: to open $2,500 $25,000 $50,000 $100,000 It is members responsibility to move money around from the different type of money market accounts. Credit union will not move funds automatically if account falls below minimum requirements   You are required to maintain a minimum daily balance of in your account each day to obtain the disclosed annual percentage yield.   Standard account if deposit falls below minimum earns 0.00% for each day below minimum. Gold account if deposit falls below minimum earns regular share rate for each day below. Platinum account if deposit falls below minimum earns regular share rate for each day below. Jumbo account if deposit falls below minimum earns regular share rate for each day below.   You must maintain minimum daily balance requirements in your account to avoid a fee. If during any month, your account balance falls below the required minimum daily balance your account will be subject to a $6.00 service fee.   Accrual of Dividends on Non-cash Deposits: Dividends will begin to accrue on the business day you deposit non-cash (e.g. checks) to your account.   Transaction limitations - During any statement period, 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 or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union Fees: Please see the Rate and Fee Schedule for current fees that may apply to this account.   Money Market Accounts offer you the advantage of easy access, liquid funds with higher yields than our standard Savings accounts. Elevations Credit Union Money Market Accounts are insured investments. You can make up to 6 electronic/phone withdrawals or transfers from your account per month. Transfers to pay loan accounts are not included in this 6 transfer limitation.   Three free withdrawals (debits) of any type are allowed each month ($25 fee for each additional withdrawal (debit) of any type). Dividends are paid monthly and are calculated daily based on the balance of the account. The rate may change if the balance drops below the minimum balance (see below). Rates are variable and fees may reduce earnings. Type Standard Gold Platinum Jumbo Minimum opening deposit $2,500 $25,000 $50,000 $100,000 Minimum Balance Requirement: to open $2,500 $25,000 $50,000 $100,000 If Deposit Falls Below Minimum for EachDay Below Minimum Earns 0.00% Earns Regular Share Rate Earns Regular Share Rate Earns Regular Share Rate  Fees: Type Standard Gold Platinum Jumbo Fee for 3 or less withdrawals per month $0.00 $0.00 $0.00 $0.00 Fee for each withdrawal exceeding 3 per month $25.00 $25.00 $25.00 $25.00 SACU Money Market account allows you to earn a highly competitive yield with a minimum daily balance of just $2,500. It is your responsibility to move your funds to the correct money market account to get the best interest rate. Money Market Accounts offer you the advantage of easy access, liquid funds with higher yields than our standard Savings accounts. Elevations Credit Union Money Market Accounts are insured investments. You can make up to 6 electronic/phone withdrawals or transfers from your account per month. Transfers to pay loan accounts are not included in this 6 transfer limitation. Three free withdrawals (debits) of any type are allowed each month ($25 fee for each additional withdrawal (debit) of any type). Dividends are paid monthly and are calculated daily based on the balance of the account. The rate may change if the balance drops below the minimum balance (see above). Rates are variable and fees may reduce earnings.

 
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