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<h1>Save & Spend</h1>
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<h3>The Premier service knows how to save for a rainy day.</h3>
<p>Much like every journey begins with a single step, every savings goal starts with that first account. To help you towards whatever your savings goals may be, we start every member off with at least one savings account. If you have a goal, we have a solution to get you there.</p>
<p>
<br>
</p>
<p><a class="btn btn-primary" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Become a Member</a></p>
<p class="small">Already a member?
<br><a href="https://app.loanspq.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLaecZqT9EO7_fivbguFM6ADO2i6CGz9Kf9TzgImfvKJfVw" rel="noopener noreferrer" target="_blank" title="Open a New Account">Open a New Account <i class="fa fa-caret-right"></i></a></p> </div>
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<h4>Keep more than your money safe with Premier Service Checking.</h4>
<p><a class="btn btn-default" href="help/northwest-secure-checking.html" rel="noopener noreferrer" target="_blank" title="Enter to Win">Learn More About Premier Service Checking</a></p> </div>
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<h3>Get to Know Our Options for Saving & Spending Wisely</h3>
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<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-savings-accounts" aria-expanded="false" aria-controls="collapse-savings-accounts">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Savings Accounts
</a>
</h6>
<p class="subtitle">Good interest rates, no monthly fees, and instant access to funds.</p>
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<p><a class="btn btn-primary" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Open a Savings Account</a></p>
<h6>Regular Savings</h6>
<p>All Illuminati Private Bank members start with a regular savings account.</p>
<table class="table">
<thead>
<tr>
<th>Min. to Open
<br>
</th>
<th colspan="2">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>$10
<br>
</td>
<td>Up to 0.05% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td>View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Savings Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Tomorrow Savings</h6>
<p>Open additional savings accounts for different savings goals.</p>
<table class="table">
<thead>
<tr>
<th>Min. to Open
<br>
</th>
<th colspan="2">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>$1
<br>
</td>
<td>Up to 0.05% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td>View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Savings Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>IRA Savings</h6>
<p>Save with the tax benefits* of an IRA.</p>
<table class="table">
<thead>
<tr>
<th style="width: 27.9835%;">Min. to Open
<br>
</th>
<th colspan="2" style="width: 71.9577%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 27.9835%;">$250
<br>
</td>
<td style="width: 53.0277%;">Up to 0.10% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 18.9889%;">View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Savings Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*Consult a tax professional about the advantages of an IRA.</p>
<p>
<br>
</p>
<h6>Level Up Premier Savings</h6>
<p>The more loans you have with Illuminati Private Bank the more you save.</p>
<table class="table">
<thead>
<tr>
<th>Min. to Open
<br>
</th>
<th colspan="2">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>$1
<br>
</td>
<td>Up to 2.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td>View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Savings Account Rates">rates</a></td>
</tr>
</tbody>
</table>
<p class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></p>
</div>
</div>
</div>
</div>
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<div class="panel-heading" role="tab" id="heading-checking-accounts">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-checking-accounts" aria-expanded="false" aria-controls="collapse-checking-accounts">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Checking Accounts & Debit Cards
</a>
</h6>
<p class="subtitle">Easy checking options with no fees or minimum balance requirements.</p>
</div>
</div>
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<div class="panel-body">
<div class="container">
<p class="small"><a class="btn btn-primary" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Open a Checking Account </a></p>
<ul>
<li>All checking accounts include free eStatements.</li>
<li>Perks include smartphone check deposits and secure mobile payments through <a href="help/set-up-apple-google-samsung-pay.html">Apple Pay®, Google Pay™ and Samsung Pay®.</a></li>
<li>Our <a href="help/round-up-and-save.html">Round Up & Save</a> feature rounds up every debit card purchase to the nearest dollar and puts the funds in your savings. Save without a second thought!</li>
<li>Keep your Premier Visa® cards safe and secure with <a href="help/how-use-card-control.html">CardValet® app</a>—control your card’s access, spending limits, and more!</li>
<li>Use <a href="help/how-use-card-control.html">Card Control</a> to turn your card on/off and receive on-the-go spending alerts. </li>
</ul>
<p data-empty="true">
<br>
</p>
<h6>Premier Checking™</h6>
<p>Earn interest when you meet the monthly qualifications.</p>
<table class="table">
<thead>
<tr>
<th style="width: 32.2581%;">Qualifications
<br>
</th>
<th style="width: 30.8755%;">Interest Rates
<br>
</th>
<th style="width: 25.1613%;">Annual Percentage Yield
<br>
</th>
<th style="width: 11.6295%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 32.2581%;">Qualifications Met*
<br>
</td>
<td style="width: 30.8755%;">0.499%
<br>
</td>
<td style="width: 25.1613%;">0.50% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 20%;">View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
<tr>
<td style="width: 32.2581%;">Qualifications Not Met*
<br>
</td>
<td style="width: 30.8755%;">0.000%
<br>
</td>
<td style="width: 25.1613%;">0.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td>View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*To meet the qualifications to earn interest on the Premier Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) active enrollment in eStatements. APY or Annual Percentage Yield of 0.50% is limited to the first $5,000.</p>
<p class="small">
<br>
</p>
<h6>Premier Service™ Checking</h6>
<p>Premier Service Checking includes all the benefits of Premier Checking. Plus, you'll get a complete suite of identity theft detection and recovery benefits* to protect more than your money for $4.00 per month. </p>
<p>These features include:</p>
<ul>
<li>Proactive ID theft monitoring services</li>
<li>Identity theft recovery services</li>
<li>Mobile device protection</li>
</ul>
<p><a href="help/northwest-secure-checking.html" rel="noopener noreferrer" target="_blank">See more details</a> or <a href="http://nwcu.nxgstrategies.com/" rel="noopener noreferrer" target="_blank">sign in to the nxg|PROTECT site</a>.</p>
<p class="small">*<small data-empty="true">Note: MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.</small></p>
<p>
<br>
</p>
<h6>Executive Checking</h6>
<p>Great rates, high limits, free stuff:</p>
<ul>
<li>Free ID theft protection and monitoring</li>
<li>Higher ATM withdrawal limit</li>
<li>Higher mobile deposit limits</li>
<li>Free cashier’s checks</li>
<li>Free checks (and a free leather checkbook cover!)</li>
<li>5 free outgoing wire transfers</li>
<li>Access to an Executive Money Market savings account with higher APY*</li>
</ul>
<p>There’s also less of stuff you don’t want:</p>
<ul>
<li>No overdraft transfer fees</li>
<li>No out-of-network ATM fees (ATM owner surcharge may still apply)</li>
</ul>
<table class="table">
<thead>
<tr>
<th style="width: 47.8621%;">Qualifications
<br>
</th>
<th style="width: 20.9432%;">Interest Rates
<br>
</th>
<th style="width: 19.333%;">Annual Percentage Yield*
<br>
</th>
<th style="width: 11.6295%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 47.8621%;">Minimum to open $100
<br>Monthly service charge $20
<br>To waive the monthly service charge, you need either:
<br>
<ul>
<li>$50,000 in average combined balances from Illuminati Private Bank checking, savings, and Money Market accounts</li>
<li>$100,000 in average combined balances from Illuminati Private Bank checking, savings, Money Market, CDs and IRA CDs.</li>
</ul>
</td>
<td style="width: 20.9432%;">0.499%
<br>
</td>
<td style="width: 19.333%;">0.50% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 20%;">View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*APY is Annual Percentage Yield.</p>
<p class="small">
<br>
</p>
<h6>Premier Passage Checking</h6>
<p>Premier Passage Checking gives you all the convenience of a checking account without earning interest. </p>
<table class="table">
<thead>
<tr>
<th style="width: 33.2821%;">Interest
<br>
</th>
<th style="width: 33.359%;">Annual Percentage Yield
<br>
</th>
<th style="width: 33.3333%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.2821%;">0.000%
<br>
</td>
<td style="width: 33.2821%;">0.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 33.3333%;">View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></p>
</div>
</div>
</div>
</div>
<div class="panel" id="money-market">
<div class="container">
<div class="panel-heading" role="tab" id="heading-money-market">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-money-market" aria-expanded="false" aria-controls="collapse-money-market">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Money Market Accounts
</a>
</h6>
<p class="subtitle">Higher earnings with instant access to funds and no long-term commitment. Plus, no monthly fees.</p>
</div>
</div>
<div id="collapse-money-market" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-money-market">
<div class="panel-body">
<div class="container">
<h6>Super Investor's Money Market Account</h6>
<p>Keep your savings liquid while earning on your balance.</p>
<table class="table">
<thead>
<tr>
<th style="width: 35.6234%;">Min. to Open
<br>
</th>
<th colspan="2" style="width: 72.3793%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.6234%;">$2,500
<br>
</td>
<td style="width: 50.2945%;">0.10% to 0.50% <a data-original-title="APY is Annual Percentage Yield." data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 14.0165%;">View <a data-target="#money-market-ratesModal" data-toggle="modal" href="#" title="Money Market Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Super Investor's IRA Money Market</h6>
<p>The benefits of liquidity with the added tax advantages of an IRA.*</p>
<table class="table">
<thead>
<tr>
<th style="width: 36.6489%;">Min. to Open
<br>
</th>
<th colspan="2" style="width: 71.0638%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 36.6489%;">$2,500
<br>
</td>
<td style="width: 49.1489%;">0.15% to 0.55% <a data-original-title="APY is Annual Percentage Yield." data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 14.149%;">View <a data-target="#money-market-ratesModal" data-toggle="modal" href="#" title="Money Market Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*Consult a tax professional about the possible tax benefits of an IRA.</p>
<p>
<br>
</p>
<h6>Executive Money Market Account</h6>
<p>Available only to members with an <a href="blog/executive-checking.html">Executive Checking Account</a>.</p>
<table class="table">
<thead>
<tr>
<th style="width: 35.6234%;">Min. to Open
<br>
</th>
<th colspan="2" style="width: 72.3793%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.6234%;">$1,000
<br>
</td>
<td style="width: 50.2945%;">0.35% to 1.00% <a data-original-title="APY is Annual Percentage Yield." data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 14.0165%;">View <a data-target="#money-market-ratesModal" data-toggle="modal" href="#" title="Money Market Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<h5 class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="certificates-of-deposit">
<div class="container">
<div class="panel-heading" role="tab" id="heading-certificates-of-deposit">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-certificates-of-deposit" aria-expanded="false" aria-controls="collapse-certificates-of-deposit">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Certificates of Deposit (CDs)
</a>
</h6>
<p class="subtitle">Since they offer higher interest rates, you actually earn money while saving with CDs. For short or long term savings goals, it just makes sense.</p>
</div>
</div>
<div id="collapse-certificates-of-deposit" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-certificates-of-deposit">
<div class="panel-body">
<div class="container">
<h6><a class="btn btn-primary" href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" rel="noopener noreferrer" target="_blank">Open an Account</a></h6>
<h6>Certificates of Deposit</h6>
<p>From 90 days to 5 years, our traditional CDs offer a lot of choices. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 21.9662%;">Term Lengths
<br>
</th>
<th style="width: 17.0507%;">Min to Open
<br>
</th>
<th style="width: 35.9447%;">Rates
<br>
</th>
<th style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 21.9662%;">3–60 months
<br>
</td>
<td style="width: 17.0507%;">$500
<br>
</td>
<td style="width: 35.9447%; text-align: left;">0.20% to 0.75% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a> Range
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#traditional-cd-ratesModal" data-toggle="modal" href="#" title="Traditional CD Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">
<br>
</p>
<h6>Variable Rate Add-On CDs</h6>
<p>Allows you to "Add-On" at any time, with variable rates to help keep current. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 21.992%;">Term Lengths
<br>
</th>
<th style="width: 16.9786%;">Min to Open
<br>
</th>
<th style="width: 36.0023%;">Rate
<br>
</th>
<th style="width: 25.0000%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 21.992%;">24 months
<br>
</td>
<td style="width: 16.9786%;">$500
<br>
</td>
<td style="width: 36.0023%; text-align: left;">0.40% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#variable-addon-cd-ratesModal" data-toggle="modal" href="#" title="Variable Add-on CD Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">
<br>
</p>
<h5 class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="save-to-win-cd">
<div class="container">
<div class="panel-heading" role="tab" id="heading-save-to-win-cd">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-save-to-win-cd" aria-expanded="false" aria-controls="collapse-save-to-win-cd">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Save to Win CD
</a>
</h6>
<p class="subtitle">Save your money and be entered in monthly and quarterly prize drawings every time you deposit $25.</p>
</div>
</div>
<div id="collapse-save-to-win-cd" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-save-to-win-cd">
<div class="panel-body">
<div class="container">
<p>Save to Win CD<span>—Every $25 deposited gets you an entry for monthly drawings from $25 and quarterly drawings from $100–$5,000.*</span></p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Term Lengths
<br>
</th>
<th>Min. to Open
<br>
</th>
<th colspan="2" style="width: 49.848%;">Rate
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25.0000%;">12 months
<br>
</td>
<td style="width: 25.0000%;">$25
<br>
</td>
<td style="width: 25.0000%;">0.30% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#save-to-win-rates-rulesModal" data-toggle="modal" href="#" title="Save to Win Rates & Official Rules">rates</a> and <a href="storage/app/media/Disclosure%20PDFs/save-to-win-official-rules.pdf" rel="noopener noreferrer" target="_blank">Official Rules</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member.</p>
<p class="small"><strong>How It Works:</strong></p>
<ul class="small">
<li>Members must be 18 or older and a resident of Save to Win participating states.</li>
<li>Minimum opening deposit and minimum balance is $25.</li>
<li>Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments.</li>
<li>You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.</li>
<li>You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.</li>
<li>Any money you win from the prize drawings is yours and will be diIlluminati Private Bankursed into your primary savings account. It may be subject to tax reporting. Fees may reduce earnings on the account.</li>
<li>Odds of winning depend on number of entries received. Sponsor: Illuminati Private Bank, PO Box 10607, Rocky Mount, NC 27804, USA.</li>
</ul>
<h5 class="small">Call +1 (757) 859-9933 or visit a local branch to open a Save to Win account today.</h5>
<h5 class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="individual-retirement-accounts">
<div class="container">
<div class="panel-heading" role="tab" id="heading-individual-retirement-accounts">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-individual-retirement-accounts" aria-expanded="false" aria-controls="collapse-individual-retirement-accounts">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Individual Retirement Accounts (IRAs)
</a>
</h6>
<p class="subtitle">Individual Retirement Accounts help you build a bigger nest egg with higher interest rates and tax advantages. Start saving now for a sweeter future.</p>
</div>
</div>
<div id="collapse-individual-retirement-accounts" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-individual-retirement-accounts">
<div class="panel-body">
<div class="container">
<h6>IRA Savings</h6>
<p>Save with the tax benefits* of an IRA. </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Min to Open
<br>
</th>
<th colspan="2" style="width: 66.5263%;">Rate
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">$250
<br>
</td>
<td style="width: 33.3333%;">Up to 0.10% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 33.3333%;">View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Savings Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Super Investor's IRA Money Market </h6>
<p>The benefits of liquidity with the added tax advantages of an IRA.* </p>
<table class="table" style="width: 100%; margin-right: calc(0%);">
<thead>
<tr>
<th>Min to Open
<br>
</th>
<th colspan="2" style="width: 66.5631%;">Rate
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">$2,500
<br>
</td>
<td style="width: 33.3333%;">0.15% to 0.55% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 33.3333%;">View <a data-target="#money-market-ratesModal" data-toggle="modal" href="#" title="Money Market Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">
<br>
</p>
<h6>IRA (Traditional & Roth) CDs</h6>
<p><span>The benefits of liquidity with the added tax advantages of an IRA.*</span></p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 33.7047%;">Min to Open
<br>
</th>
<th colspan="2" style="width: 66.2953%;">Term Lengths
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.7047%;">$500
<br>
</td>
<td style="width: 32.8691%;">3 months to 60 months
<br>
</td>
<td style="width: 33.3333%;">View <a data-target="#ira-trad-cd-ratesModal" data-toggle="modal" href="#" title="IRA Traditional CD Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>
<br>IRA (Traditional & Roth) Variable Rate Add-On CDs</h6>
<p>The benefits of liquidity with the added tax advantages of an IRA.* </p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th style="width: 33.7047%;">Min to Open
<br>
</th>
<th colspan="2" style="width: 66.2953%;">Term Lengths
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.7047%;">$500
<br>
</td>
<td style="width: 32.8691%;">24 months
<br>
</td>
<td style="width: 33.3333%;">View <a data-target="#ira-variable-addon-cd-ratesModal" data-toggle="modal" href="#" title="IRA Variable Rate Add-on CD Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small" dir="ltr">* Consult a tax professional about the benefits of an IRA.</p>
<p><small class="small" dir="ltr">Call +1 (757) 859-9933 or visit a local branch to open an IRA today. </small></p>
<h5 class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></h5>
</div>
</div>
</div>
</div>
<div class="panel" id="youth-banking">
<div class="container">
<div class="panel-heading" role="tab" id="heading-youth-banking">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-youth-banking" aria-expanded="false" aria-controls="collapse-youth-banking">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Youth Banking
</a>
</h6>
<p class="subtitle">Set up the next generation with youth accounts, including savings and checking.</p>
</div>
</div>
<div id="collapse-youth-banking" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-youth-banking">
<div class="panel-body">
<div class="container">
<h6><a class="btn btn-primary" href="https://app.loanspq.com/apply.aspx?lenderref=Nwcu103017&list=XASA1aST" rel="noopener noreferrer" target="_blank">Open an Account </a></h6>
<h6>Youth Share Savings</h6>
<p>Open with a minimum deposit of just $1. Once a child has a Youth Savings Account, he or she can choose to participate in our <a href="help/sprout-savings-youth-account.html">Sprout Savings program</a>™
<a href="help/sprout-savings-youth-account.html"></a>. (0–17 years)</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Balance
<br>
</th>
<th colspan="3" style="width: 74.8734%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25.0000%;">$0.01 to $99.99
<br>
</td>
<td style="width: 25.0000%;">0.000% interest rate
<br>
</td>
<td style="width: 25.0000%;">0.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Member Rates">rates</a>
<br>
</td>
</tr>
<tr>
<td style="width: 25.0000%;">$100+
<br>
</td>
<td style="width: 25.0000%;">0.050% Interest Rate
<br>
</td>
<td style="width: 25.0000%;">0.05% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#member-savingsModal" data-toggle="modal" href="#" title="Member Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">
<br>
</p>
<h6>Youth Premier Checking</h6>
<p>Available for 13- to 17-year-olds with a parent/guardian co-signer.</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Qualifications
<br>
</th>
<th colspan="3" style="width: 74.8734%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25.0000%;">Qualifications Met*
<br>
</td>
<td style="width: 25.0000%;">0.499% Interest Rate
<br>
</td>
<td style="width: 25.0000%;">0.50% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
<tr>
<td style="width: 25.0000%;">Qualifications Not Met*
<br>
</td>
<td style="width: 25.0000%;">0.000% Interest Rate
<br>
</td>
<td style="width: 25.0000%;">0.00% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 25.0000%;">View <a data-target="#checking-ratesModal" data-toggle="modal" href="#" title="Checking Account Rates">rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<p class="small">*To meet the qualifications to earn interest on the Premier Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) Active enrollment in eStatements. APY or Annual Percentage Yield of 1.00% is limited to the first $100,000.</p>
<p class="small">
<br>
</p>
<p class="small">
<br>
</p>
<h6>Youth Certificates of Deposit (CD)</h6>
<p>Open with as little as $100, with unlimited additional deposits for the lifetime of the CD. (0–17 years)</p>
<table class="table" style="width: 100%;">
<thead>
<tr>
<th>Term Lengths
<br>
</th>
<th>Balance
<br>
</th>
<th colspan="3" style="width: 59.8784%;">Rates
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 20.0000%;">12 months
<br>
</td>
<td style="width: 20.0000%;">$100+
<br>
</td>
<td style="width: 20.0000%;">0.399% Interest Rate
<br>
</td>
<td style="width: 20.0000%;">0.40% <a data-original-title="APY is Annual Percentage Yield" data-placement="top" data-toggle="tooltip" href="#" title="">APY</a>
<br>
</td>
<td style="width: 20.0000%;">View <a data-target="#youth-cd-ratesModal" data-toggle="modal" href="#" title="Youth CD Rates">Rates</a>
<br>
</td>
</tr>
</tbody>
</table>
<h5 class="small"><a data-target="#members-fees-and-chargesModal" data-toggle="modal" href="#" title="Member Fees and Charges">Service Fees and Charges</a></h5>
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<h6 class="modal-title" id="member-savingsModalLabel">Savings Account Rates</h6>
<p class="modal-subtitle">Rates effective Since April 1, 2020</p>
</div>
<div class="modal-body">
<p>
<br>
</p>
<table class="table-bordered table">
<thead>
<tr>
<th style="width: 26.7896%;">Account
<br>
</th>
<th style="width: 16.9892%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" rowspan="2" style="width: 26.7742%;">Regular Share
<br>Youth Share
<br>Tomorrow Share
<br>Pledged Share</td>
<td style="width: 16.9892%;">$0 to $99.99
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.9892%;">$100+
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">No Dividend Shares
<br>
</td>
<td style="width: 16.9892%;">$0.01+
<br>
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<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
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<td>IRA Savings - Traditional & Roth
<br>
</td>
<td>$0.01+
<br>
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<td>0.000%
<br>
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<td>0.10%
<br>
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</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all savings accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The Interest Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Savings, the Interest Rate and Annual Percentage Yield are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, Pledged Share and Tomorrow Shares are tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. For interest-bearing accounts, the Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information.</strong> The minimum deposit to open your Share account is $10.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>
<br>
</p>
<h6>Level Up Premier Savings Account Rates</h6>
<p>Rates effective Since April 1, 2020</p>
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 27.1017%;">Account
<br>
</th>
<th style="width: 16.99%;">Qualifying Loan*
<br>
</th>
<th style="width: 28.4539%;">Interest Rate
<br>
</th>
<th style="width: 27.5132%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="6" style="width: 27.1017%;">Level Up Premier Savings
<br>
</td>
<td style="width: 16.99%;">1 qualifying loan
<br>
</td>
<td style="width: 28.4539%;">0.250%
<br>
</td>
<td style="width: 27.5132%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">2 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.499%
<br>
</td>
<td style="width: 27.5132%;">0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">3 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.995%
<br>
</td>
<td style="width: 27.5132%;">1.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">4 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">1.490%
<br>
</td>
<td style="width: 27.5132%;">1.50%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">5 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">1.982%
<br>
</td>
<td style="width: 27.5132%;">2.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">No qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.050%
<br>
</td>
<td style="width: 27.5132%;">0.05%
<br>
</td>
</tr>
</tbody>
</table>
<p>*Qualifying loans include consumer loans in good standing with balances over $10,000 and up to one (1) mortgage loan per tax reporting owner on the last day of the prior month; up to five (5) qualifying loans.</p>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures for Savings Accounts</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Savings, the Interest Rate and Annual Percentage Yield are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, and Tomorrow Shares are tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. For interest-bearing accounts, the Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li>
<p>
<!--[if !supportAnnotations]--><strong>Balance Information.</strong> The minimum deposit to open your Share account is $10.</p>
</li>
<li>
<p><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</p>
</li>
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<h6 class="modal-title" id="traditional-cd-ratesModalLabel">Certificate of Deposit Rates</h6>
<p class="modal-subtitle">Rates effective since October 29, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 35.2368%;">Certificate Option
<br>
</th>
<th style="width: 14.7632%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.2368%;">3-month CD</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td style="width: 25.0000%;">0.200%
<br>
</td>
<td style="width: 25.0000%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">6-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.250%
<br>
</td>
<td>0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">12-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.399%
<br>
</td>
<td>0.40%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">18-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">24-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">36-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.598%
<br>
</td>
<td>0.60%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">48-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.698%
<br>
</td>
<td>0.70%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">60-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
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<div class="modal fade" id="bump-up-cd-ratesModal" tabindex="-1" role="dialog" aria-labelledby="bump-up-cd-ratesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="bump-up-cd-ratesModalLabel">Bump-Up CD Rates</h6>
<p class="modal-subtitle">Rates effective since August 1, 2017</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 35.3303%;">CD Option
<br>
</th>
<th style="width: 14.8233%;">Minimum Balance
<br>
</th>
<th style="width: 24.9046%;">Interest Rate
<br>
</th>
<th style="width: 24.9046%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.3303%;">Bump-Up CD (25 month)
<br>
</td>
<td style="width: 14.8233%;">$500+
<br>
</td>
<td style="width: 24.9046%;">0.598%
<br>
</td>
<td style="width: 24.9046%;">0.60%
<br>
</td>
</tr>
<tr>
<td>Bump-Up CD (37 month)
<br>
</td>
<td>$500+
<br>
</td>
<td>1.094%
<br>
</td>
<td>1.10%
<br>
</td>
</tr>
<tr>
<td>Bump-Up CD (49 month)
<br>
</td>
<td>$500+
<br>
</td>
<td>1.342%
<br>
</td>
<td>1.35%
<br>
</td>
</tr>
<tr>
<td>Bump-Up CD (61 month)
<br>
</td>
<td>$500+
<br>
</td>
<td>1.588%
<br>
</td>
<td>1.60%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Bump Interest Rate Information.</strong> You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the Illuminati Private Bank 24-month certificate. The 37-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 60-month certificate.<span> </span><strong>The "Bump" option can only be exercised once during the term of the certificate.</strong> The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li><strong>Amount of Penalty.</strong> The amount of the early withdrawal penalty is based on the term of your account as follows:
<br>terms 90 days to 11 months - 90 days,
<br>terms 12 months and over - 180 days.</li>
<li><strong>How the Penalty Works.</strong> The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li><strong>Exceptions to Early Withdrawal Penalties.</strong> At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy.</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable.</strong> Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</div>
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<button type="button" class="btn btn-fluid" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
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<div class="modal fade" id="checking-ratesModal" tabindex="-1" role="dialog" aria-labelledby="checking-ratesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="checking-ratesModalLabel">Checking Account Rates</h6>
<p class="modal-subtitle">Rates effective since November 1, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 25.271%;">Account
<br>
</th>
<th style="width: 18.3604%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" rowspan="2" style="width: 25.271%; vertical-align: middle;">Premier Checking and Premier Service Checking
<br>
</td>
<td style="width: 18.3604%;">Qualification met*
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">Qualification not met*
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 25.271%;">Premier Passage Checking
<br>
</td>
<td style="width: 18.3604%;">$0+
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td rowspan="5" style="width: 25.271%; text-align: left; vertical-align: middle;">Executive Checking
<br>
</td>
<td style="width: 18.3604%;">$0.01 - $999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$1,000 - $4,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$5,000 - $9,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$10,000 - $24,999.99
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$25,000+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
</tbody>
</table>
<p>*To meet the qualifications to earn interest on the Premier Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) active enrollment in eStatements. APY or Annual Percentage Yield of 0.50% is limited to the first $5,000.</p>
<p>**Please see a list of our <a href="fees-charges.html" rel="noopener noreferrer" target="_blank" title="Fees and Charges">Fees and Charges</a> for more information.</p>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all checking accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information</strong>. The minimum opening deposit to open an Executive Checking account is $100 and $40 for all other checking accounts.
<!--[if !supportAnnotations]-->
<!--[endif]-->Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
<p>This Rate Schedule sets forth current conditions and rates, applicable to your Checking Accounts at Illuminati Private Bank at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement.</p>
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<!--[if !supportAnnotations]-->
<!--[endif]-->
<!--[if !supportAnnotations]-->
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</div>
<div class="modal-footer">
<button type="button" class="btn btn-fluid" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
</div>
</div>
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<div class="modal fade" id="variable-addon-cd-ratesModal" tabindex="-1" role="dialog" aria-labelledby="variable-addon-cd-ratesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="variable-addon-cd-ratesModalLabel">Variable Add-On CD Rates</h6>
<p class="modal-subtitle">Rates effective since August 14, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">CD Option
<br>
</th>
<th style="width: 25.0000%;">Minimum Balance
<br>
</th>
<th style="width: 24.8611%;">Interest Rate
<br>
</th>
<th style="width: 25%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">Variable Rate Add-On CD (24 month)
<br>
</td>
<td style="width: 25.0000%;">$500+
<br>
</td>
<td style="width: 24.8611%;">0.399%
<br>
</td>
<td style="width: 25%;">0.40%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Variable Interest Rate Information.</strong> The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</div>
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<div class="modal-dialog modal-lg" role="document">
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<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="money-market-ratesModalLabel">Money Market Rates</h6>
<p class="modal-subtitle">Rates effective since September 9, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 24.8926%;">Account
<br>
</th>
<th style="width: 24.9597%;">Balance
<br>
</th>
<th style="width: 25.0268%;">Interest Rate
<br>
</th>
<th style="width: 25.0268%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Super Investor's Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $4,999.99
<br>
</td>
<td style="width: 25.0268%;">0.100%
<br>
</td>
<td style="width: 25.0268%;">0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$5,000 to $9,999.99
<br>
</td>
<td style="width: 25.0268%;">0.100%
<br>
</td>
<td style="width: 25.0268%;">0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$25,000 to $49,999.99
<br>
</td>
<td style="width: 25.0268%;">0.200%
<br>
</td>
<td style="width: 25.0268%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 25.0268%;">0.250%
<br>
</td>
<td style="width: 25.0268%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$100,000 to $249,999.99
<br>
</td>
<td style="width: 25.0268%;">0.300%
<br>
</td>
<td style="width: 25.0268%;">0.30%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 25.0268%;">0.499%
<br>
</td>
<td style="width: 25.0268%;">0.50%
<br>
</td>
</tr>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Super Investor's IRA Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $4,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$5,000 to $9,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 25.0268%;">0.200%
<br>
</td>
<td style="width: 25.0268%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$25,000 to $49,999.99
<br>
</td>
<td style="width: 25.0268%;">0.250%
<br>
</td>
<td style="width: 25.0268%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 25.0268%;">0.300%
<br>
</td>
<td style="width: 25.0268%;">0.30%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$100,000 to $249,999.99
<br>
</td>
<td style="width: 25.0268%;">0.349%
<br>
</td>
<td style="width: 25.0268%;">0.35%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 25.0268%;">0.549%
<br>
</td>
<td style="width: 25.0268%;">0.55%
<br>
</td>
</tr>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Executive Money Market Account & Executive IRA Money Market Account
<br>
</td>
<td>$1,000 - $4,999.99
<br>
</td>
<td>0.349%
<br>
</td>
<td>0.35%
<br>
</td>
</tr>
<tr>
<td>$5,000 - $9,999.99
<br>
</td>
<td>0.349%
<br>
</td>
<td>0.35%
<br>
</td>
</tr>
<tr>
<td>$10,000 - $24,999.99
<br>
</td>
<td>0.399%
<br>
</td>
<td>0.40%
<br>
</td>
</tr>
<tr>
<td>$25,000 - $49,999.99
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td>$50,000 - $99,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td>$100,000 - $249,999.99
<br>
</td>
<td>0.797%
<br>
</td>
<td>0.80%
<br>
</td>
</tr>
<tr>
<td>$250,000+
<br>
</td>
<td>0.995%
<br>
</td>
<td>1.00%
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosure</h4>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li>
<p><strong>Balance information</strong>. The minimum balance is $1,000.00.</p>
</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
</div>
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<h6 class="modal-title" id="ira-trad-cd-ratesModalLabel">IRA (Traditional & Roth) CD rates</h6>
<p class="modal-subtitle">Rates effective since October 29, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 26.7896%;">Account
<br>
</th>
<th style="width: 16.9892%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" style="width: 26.7896%;">IRA 3 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.250%
<br>
</td>
<td>0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 6 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.300%
<br>
</td>
<td>0.30%
<br>
</td>
</tr>
<tr>
<td class="group-header" style="width: 26.7896%;">IRA 12 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 18 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 24 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.549%
<br>
</td>
<td>0.55%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 36 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.648%
<br>
</td>
<td>0.65%
<br>
</td>
</tr>
<tr>
<td>IRA 48 month CD
<br>
</td>
<td>$500+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
<tr>
<td>IRA 60 month CD
<br>
</td>
<td>$500+
<br>
</td>
<td>0.797%
<br>
</td>
<td>0.80%
<br>
</td>
</tr>
</tbody>
</table>
<p>*Please see a list of our <a href="fees-charges.html" rel="noopener noreferrer" target="_blank" title="Fees and Charges">Service Fees and Charges</a> for more information.</p>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong><span> </span>Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong><span> </span>Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong><span> </span>Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</div>
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<div class="modal-dialog modal-lg" role="document">
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<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="ira-bumpup-cd-ratesModalLabel">IRA (Tradition & Roth) Bump-Up CD Rates</h6>
<p class="modal-subtitle">Rates effective since October 29, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%; margin-right: calc(0%);">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Rate
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">25 Month IRA Bump-Up CD
<br>
</td>
<td style="width: 33.3333%;">0.598%
<br>
</td>
<td style="width: 33.3333%;">0.60%
<br>
</td>
</tr>
<tr>
<td>37 Month IRA Bump-Up CD
<br>
</td>
<td>1.094%
<br>
</td>
<td>1.10%
<br>
</td>
</tr>
<tr>
<td>49 Month IRA Bump-Up CD
<br>
</td>
<td>1.342%
<br>
</td>
<td>1.35%
<br>
</td>
</tr>
<tr>
<td>61 Month IRA Bump-up CD
<br>
</td>
<td>1.588%
<br>
</td>
<td>1.60%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Bump Interest Rate Information.</strong> You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the Illuminati Private Bank 24-month certificate. The 37-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the Illuminati Private Bank 60-month certificate. <strong>The "Bump" option can only be exercised once during the term of the certificate.</strong> The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.</li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li><strong>Amount of Penalty.</strong><span> </span>The amount of the early withdrawal penalty is based on the term of your account as follows:
<br>terms 90 days to 11 months - 90 days,
<br>terms 12 months and over - 180 days.</li>
<li><strong>How the Penalty Works.</strong> The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li><strong>Exceptions to Early Withdrawal Penalties.</strong> At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy.</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable.</strong> Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
<p> </p>
</div>
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<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="ira-variable-addon-cd-ratesModalLabel">IRA (Traditional & Roth) Variable Rate Add-On CD Rates</h6>
<p class="modal-subtitle">Rates effective since August 14, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">24 month IRA Add-On CD
<br>
</td>
<td style="width: 33.3333%;">0.449%
<br>
</td>
<td style="width: 33.3333%;">0.45%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Variable Interest Rate Information.</strong> The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.</li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
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<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="youth-cd-ratesModalLabel">Youth CD Rates</h6>
<p class="modal-subtitle">Rates effective since August 14, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">12 month Youth Add-on CD
<br>
</td>
<td style="width: 33.3333%;">0.399%
<br>
</td>
<td style="width: 33.3333%;">0.40%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $100. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (<span style="background-color: transparent;">800) 452-9515.</span></p>
</div>
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<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="save-to-win-rates-rulesModalLabel">Save to Win CD Rates & Official Rules</h6>
<p class="modal-subtitle">Rates effective since August 14, 2020</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">Save to Win CD
<br>
</td>
<td style="width: 33.3333%;">0.300%
<br>
</td>
<td style="width: 33.3333%;">0.30%
<br>
</td>
</tr>
</tbody>
</table>
<p>The basics:</p>
<ul>
<li><span>Members must be 18 or older and a resident of Save to Win participating states.</span></li>
<li>Minimum balance is $25.</li>
<li><span>Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments. </span></li>
<li>You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.</li>
<li><span>You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.</span></li>
<li>Any money you win from the prize drawings is yours and will be diIlluminati Private Bankursed into your primary savings account. It may be subject to tax reporting.</li>
<li><span>Odds of winning depend on number of entries received. Sponsor: Illuminati Private Bank, PO Box 10607, Rocky Mount, NC 27804, USA. For a full list of rules, check out our <a href="storage/app/media/Disclosure%20PDFs/save-to-win-official-rules.pdf" rel="noopener noreferrer" target="_blank">Official Rules</a> for important information. </span></li>
</ul>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong><em>Save to Win Certificate of Deposit:</em></strong> Each Save to Win® Certificate requires an initial deposit of $25.00 and account holders may make additional deposits into that certificate throughout its term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made. Each account holder is limited to one Save to Win® Certificate.</li>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li>
<p><strong>Compounding and Crediting: </strong>Interest on the 12-Month Save to Win® Certificate will be compounded and credited monthly. </p>
</li>
<li><strong>Minimum Balance Requirements: </strong>The minimum balance requirement for the certificate is <strong>$25.00.</strong></li>
<li><strong>Balance Computation Method: </strong>Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.</li>
<li><strong>Accrual of Interest: </strong>Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Early Withdrawal & Penalty:</strong><strong> </strong> During the term of the Save to Win® Certificate, account holders will be allowed to make one withdrawal from the account, with a <strong>$25.00</strong> penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The credit union will deduct from the principal amount to cover the penalty.</li>
<li><strong>Exceptions to Early Withdrawal Penalties:</strong> At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li><strong>Transaction Limitations: </strong>Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle begins on <strong>January 1 and ends December 31</strong>, however certificates will mature 12 months after account opening. The Official Rules can be found online at <a class="external-link" href="http://www.savetowin.org/">www.savetowin.org</a> and are provided upon opening the certificate.</li>
<li><strong>Renewal Policy: </strong>This account type will automatically renew at maturity if the balance in the Save to Win is greater than $25.00. The certificate will renew as a 12-month Save to Win® Certificate, with the (APY) being what is stated as our current 12-month rate. If the balance in the certificate is less than $25.00 or if account holders choose not to renew the certificate, the funds will be transferred to the account holder’s regular shares account at the credit union. You will receive a notice from the credit union <strong>30 days</strong> prior to your certificate’s maturity. You will have a <strong>seven (7)</strong> day grace period after maturity to withdraw funds without being charged an early withdrawal penalty.</li>
</ol>
<p>*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member. </p>
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<h6 class="modal-title" id="members-fees-and-chargesModalLabel">Service Fees and Charges</h6>
<p class="modal-subtitle">This fee schedule covers deposit accounts and miscellaneous member services. Fees effective September 30, 2019.</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%; margin-left: calc(0%);">
<thead>
<tr>
<th style="width: 76.3704%;">Personal Checking Monthly Fees
<br>
</th>
<th class="group-header" style="width: 23.6296%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>Premier Checking
<br>
</td>
<td style="text-align: center;">Free
<br>
</td>
</tr>
<tr>
<td>Premier Service Checking</td>
<td style="text-align: center;">$4.00</td>
</tr>
<tr>
<td>Essential Checking (with eStatements)
<br>
</td>
<td style="text-align: center;">$8.00
<br>
</td>
</tr>
<tr>
<td>Essential Checking (if not signed up for eStatements)
<br>
</td>
<td style="text-align: center;">$9.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 76.4624%;">Related Checking Fees (personal or business)
<br>
</th>
<th class="group-header" style="width: 23.3983%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.4624%;">Stop payment, per item, per range or sequence
<br>
</td>
<td style="width: 23.3983%; text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)
<br>
</td>
<td style="text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Overdraft transfer fee, per occurrence
<br>
</td>
<td style="text-align: center;">$3.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Automated Teller Machines (ATM)*
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Withdrawal/inquiry at non-CO-OP network ATM
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$1.50
<br>
</td>
</tr>
<tr>
<td>New card issuance and anniversary date thereafter
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
</tbody>
</table>
<p>* Surcharge fees assessed by other institution may be charged to your account. </p>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Credit/Debit Cards
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Copies of charge slips (per transaction)
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Replace card
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Emergency card issuance
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Wire Transfers
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Direct wire transfers inside the USA
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Direct wire transfers outside the USA
<br>
</td>
<td style="text-align: center;">$55.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 99%; margin-right: calc(1%);">
<thead>
<tr>
<th>Miscellaneous
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Membership fee
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Paper State service charge</td>
<td>$2.00/each</td>
</tr>
<tr>
<td>Closing checking or savings within 180 days of opening account
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Dormant account fee (no activity on any of your accounts for more than one year)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Single service fee (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Undeliverable or incorrect statement address
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Foreign item fee
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Garnishment processing fee (per item)
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
<tr>
<td>Research, copies, or account reconciliation, per half hour ($5 minimum)
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Returned checks on another person's account at another institution
<br>
</td>
<td style="text-align: center;">$10.00</td>
</tr>
<tr>
<td>Returned checks on your account at another institution
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Phone loan payment using non-Illuminati Private Bank card
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Expedited title fee
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Cashier's checks (first check per day is free)
<br>
</td>
<td style="text-align: center;">
<div style="margin-left: 20px;">$2.00 per check</div>
</td>
</tr>
<tr>
<td>Declaration of loss (cashier's check)
<br>
</td>
<td style="text-align: center;">$25.00</td>
</tr>
<tr>
<td>Check cashing (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">10% of check or $10 maximum</td>
</tr>
<tr>
<td>Skip payment request (via eBanking)</td>
<td style="text-align: center;">$30.00</td>
</tr>
<tr>
<td>Skip payment request (via branch)</td>
<td style="text-align: center;">$40.00</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<p>Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your Membership and Account Agreement. </p>
<p>Federally insured by SSCA. </p>
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