Rate and Fee Schedule

Savings and Checking Account Rates and Terms

Saturday, October 1st, 2022, 8:00:16 PM, Pacific Time

Terms and Fees Disclosure

Except as specifically described, the following disclosures apply to all the accounts.

1. Rate Information

   The Dividend Rate and Annual Percentage Yield on your accounts are stated on the reverse side. The Annual Percentage Yield is the percentage rate that reflects the total of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union Board of Directors.

2. Nature of Dividends

   Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting

   Dividends will be compounded and credited as stated on the reverse side. The Dividend Period for each account is also stated on the reverse side. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

4. Accrual of Dividends

   Dividends will begin to accrue on non-cash (e.g. checks) and cash deposits on the business day you make the deposit to your account. If you close your account before accrued dividends are paid, you will not receive the accrued dividends.

5. Balance Information

   The minimum balance required to open each account is stated on the reverse side. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For money market and special savings accounts there is a minimum daily balance requirement to earn dividends. If you do not meet these daily balance requirements, your account may not earn dividends or be subject to a service fee, if applicable.

6. Free Checking

   The Free Checking Account offers full checking features, earns interest, and has no monthly service fee. Free Checking account will automatically receive the benefits of the Rewards Checking account, starting on the first day of each month if the previous monthly account activity meets the Rewards Checking requirements (see H for more details).

7. **Student Checking

   The Student Checking is available for anyone age 25 and under. Student Checking includes all the Free Checking Account features, plus an ATM surcharge refund of up to $10 per month. Student Checking account will automatically convert to a Free Checking when the student becomes 26 years of age.

8. *Rewards Checking Qualification & Enhancements

   The Rewards Checking account is a free tiered rate account based upon satisfying certain qualifications. If a primary member* meets the Rewards Checking qualifications for a particular month, the Dividend Rate and Annual Percentage Yield for the following month will be the highest Dividend Rate and Annual Percentage Yield shown. If you do not meet the Rewards Checking qualifications in one month, the Dividend Rate and Annual Percentage Yield will be the lowest Dividend Rate and Annual Percentage Yield shown. Qualifying transactions must post to the account prior to the last day of the month. Debit & credit card purchases can take up to 3 days to post and are dependent on merchant processing times.

   *At least one membership account where an individual is named as the primary member must meet all qualifications.

   In addition to a higher Rewards Checking Dividend Rate and Annual Percentage Yield the benefits include:

   • Surcharge refund up to $20/mo per member
     Note: Qualified members who use out-of-network ATMs in the month following qualification will be rebated surcharges in the next month. Members with multiple memberships, the rebate will be posted to the checking account of the lowest numbered membership.
   • 1 box of 40 duplicate exclusive design checks per order . No Charge when ordered in the qualifying month

   
   The qualifications for Rewards Checking include:

   • 10 debit or credit card purchases per month
   • Enroll in and maintain eStatements, eNotices, eTax & eCoupons for all of your accounts and loans
   • $300 minimum monthly ACH credit transaction or $5000 in deposit or loan balances
   
   

9. Fees and Charges

   Summary of fees and charges for Star One accounts and services

   Checking Accounts
   Check Printing Charges:
   Initial order of 40 duplicate exclusive design checks	No Charge
   One box of 40 duplicate exclusive design checks*	$ 3.09
   One box of 80 duplicate exclusive design checks* (Additional styles and designs are subject to vendor pricing) *Check orders are subject to Shipping and Handling fees from vendor	$ 3.29
   Check or Statement Copy Each (two free each month)	$ 2.00
   Checking Stop Payment Order Each (Including ACH):
   Via Branch or Call Center	$ 15.00
   Via Online	$ 5.00
   Postdated Order (per check, must be in writing)	$ 15.00
   Non-Sufficient Funds or Overdraft (Courtesy Pay) Fee Per Transaction Limit 3 NSF/CP fees per day/1st occurrence free in year Courtesy Pay Negative Balance Threshold Limit. No charge for $30 or Under	$ 15.00
   Other Fees
   Cashier's Check Stop Payment Order	$ 15.00
   Foreign Check Collection Fee (plus any bank charges)	$ 50.00
   Domestic Check Collection Fee	$ 20.00
   Outgoing International ACH (limited countries)	$ 20.00
   Domestic Outgoing Wire Fee	$ 40.00
   With account or loan balances => $5,000 or via online	$ 30.00
   International Outgoing Wire Fee	$ 60.00
   With account or loan balances => $5,000 or via online	$ 50.00
   Legal Response Fee (per request)	$ 28.00
   Account Research/Reconciliation (per hour, based on 15-minute increments)	$ 28.00
   Expedited Package Delivery (available for Credit Union business only)
   Domestic 2 Business-Day Mail Delivery	$ 25.00
   Domestic Next Business-Day Mail Delivery	$ 30.00
   All Other Expedited Mail	Subject to vendor pricing
   Returned Deposited Item	$ 12.00
   Notary Fee—limit 1 free per member, 2nd and subsequent signatures	$ 15.00
   Notary Fee Non-Member (per signature)	$ 15.00
   VISA Gift Card Each	$ 3.95
   Verification of Deposits and Immigration Letters	$ 5.00
   Non-Member Check Cashing Fee	$ 5.00
   Electronic Funds Transfer Fees Transactions at Non-Proprietary ATM or Merchant: Fees may be imposed by the machine owner or merchant. These will be assessed and disclosed at the machine or Point of Sale terminal.