Rate and Fee Schedule - Share Accounts
This Rate and Fee Schedule includes the rates, fees, and terms that apply to your Share accounts at the WRCU. The WRCU may offer other rates for these accounts from time to time.
WHITE RIVER CREDIT UNION MEMBERSHIP |
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Membership share |
$5.00 par value |
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RATE SCHEDULE |
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Share Account |
Holiday Club Account |
Vacation Club Account |
IRA Share Account |
Share Draft (Checking) Account |
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Dividends - Dividend Rate/ Annual Percentage Yield |
$0 - $749.99= .200%/.200% $750.00-$2,499.99 = .250%/.250% over $2,500.00 = .400%/.401%
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.250%/.250% |
.250%/.250% |
.500%/.501% |
0.00%/0.00% |
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Dividends Compounded |
Quarterly |
At Maturity |
At Maturity |
Quarterly |
Quarterly |
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Dividends Credited |
Quarterly |
At Maturity |
At Maturity |
Quarterly |
Quarterly |
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Dividend Period |
Calendar Quarter |
Term of Account |
Term of Account |
Calendar Quarter |
Calendar Quarter |
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Minimum Opening Deposit |
$5 |
$5 |
$5 |
$5 |
$25 |
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Minimum Balance to Avoid a Service Fee |
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Minimum Balance to Earn the Stated APY |
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Balance Method |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
Average Daily Balance |
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Account Limitations Refer to Truth-in-Savings Disclosures. |
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Account withdrawal limitations apply. |
Account withdrawal limitations apply. |
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FEE SCHEDULE |
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Description |
Fee Amount |
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Overdraft Fee |
$29.00 per item |
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Stop Payment Fee |
$10.00 per item, or for a series of drafts |
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Share Draft (Checking) Account Monthly Service Fee |
$2.00 |
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Share Draft Photocopy Fee |
$1.00 per draft |
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Share Draft Printing Charge |
prices vary upon the selected style |
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Account Reconciliation or Research Fee |
$15.00 per hour |
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Domestic Wire Transfer (outgoing) |
$15.00 per transfer |
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International Wire Transfer (outgoing) |
$25.00 per transfer |
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Domestic or International Wire Transfer (incoming) |
No Charge |
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Cashier's Check |
$2.00 per check (free, if payable to Member) |
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Money Order |
$1.00 per Money Order |
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Overdraft Transfer from Share |
First three per month free, each transfer after is $1/day |
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| Notary Service Fee | No Charge to Members | ||||||
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* NOTE: A Cashier's Check or Money Order that has an issue date of more than 90 days prior to its cashing or depositing date will be considered stale-dated and may not be honored. |
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