Rate and Fee Schedule

Savings and Checking Account Rates and Terms

Sunday, June 26th, 2022, 10:10:51 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 (*Plus S&H)	$ 3.09
   One box of 80 duplicate exclusive design checks (*Plus S&H) (Additional styles and designs are subject to vendor pricing) *Check orders are subject to additional shipping and handling fees from vendor	$ 3.29
   Check Copy NOTE: Up to 2 check copies with respect to each statement cycle will be provided at no charge when the following information is supplied: check number, amount, payee, posting date and trace number (posting date and trace number are shown on the monthly statement).	$ 2.00 each
   Rush/Faxed Check Copy	$ 5.00 each
   Postdated Order (per check) (Postdated orders must be in writing)	$ 15.00 each
   Cashier's Checks
   First check request per day is free and up to 3 free checks per day with an account or loan relationship of $5,000 more.
   Each additional check(s) issued at the Teller Window	$ 3.00
   Stop Payment Order	$ 15.00
   Other Fees
   Return Item Fee/Overdraft (Courtesy Pay) Fee (per transaction) (Limit of 3 NSF/CP fees per day) 1st occurrence free in year, subsequent transactions Returned check or electronic transactions due to: insufficient funds in account, closed account, refer to maker, improper completion of check, incorrect account number, check written against deposited funds not yet collected by the Credit Union, checks paid against insufficient funds, uncollected funds, or electronic items/checks overdrawing account paid for by the Credit Union (Courtesy Pay).	$ 15.00
   Courtesy Pay Negative Balance Threshold Limit	No charge for $30 or under
   Foreign Check Collection Fee (Plus any bank charges - if applicable)	$ 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 relationship ≥ $5,000	$ 30.00
   International Outgoing Wire Fee	$ 60.00
   With account or loan relationship ≥ $5,000	$ 50.00
   Duplicate Statement Copy	$ 3.00
   Legal Response Fee (per request)	$ 28.00
   Account Research/Reconciliation (per hour)(Based on 15-minute increments)	$ 28.00
   Expedited Package Delivery, Domestic Only available for CU business	Subject to vendor pricing
   Expedited Package Delivery, International Only available for CU business	Subject to vendor pricing
   Returned Check/member	$ 15.00
   Returned Check/3rd party	$ 10.00
   Stop Payment Order (including ACH) Via Branch or Call Center Via online	$ 15.00 $ 5.00
   Medallion Stamps (per person) 2nd and subsequent signature	Limit of 1 free $ 10.00
   Notary Fee (per person) 2nd and subsequent signature	Limit of 1 free $ 15.00
   VISA Gift Card	$ 3.95 each
   Verification of Deposits and Immigration Letters	$ 5.00 each
   Non-Member Check Cashing Fee	$ 5.00 each
   Escheat Notification - 2nd Notice (California only)	$ 2.00
   Invalid Address (2nd and each subsequent notice)	$ 2.00
   Replacement Cards	First free per year, subsequent $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.