Delta County Credit Union - Embers Credit Union

22 | Membership & Account Agreement SHARE DRAFT CHECKING ACCOUNT Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Fee Schedule. FIRE REWARDS SHARE DRAFT CHECKING ACCOUNT Fire Rewards Checking is a variable rate share draft account that provides rewards including paying increased dividends and providing limited ATM fee reimbursements if minimum qualifications are met during the month. Current rewards are available online in our lobbies or by calling the credit union. The credit union has the right to modify or cancel qualifications or rewards at any time. Rate Information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded and credited to your account every month. If you close your account before dividends are paid you will receive the accrued dividends. Dividend period - For this account type the dividend period is monthly for example the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements - No minimum balance requirements apply to this account. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example checks) to your account. Qualifications - Current criteria to earn rewards include: 1. Have at least 10 signature debit or credit card transactions post to the membership account during the dividend period. This only includes transactions not authorized by a PIN. Transactions may take up to several days to post to the account after authorization. 2. Be enrolled in e-Statements for the dividend period. 3. Log into digital banking at least twice during the dividend period. 4. Receive at least one direct deposit (ACH deposit) into your membership account during the dividend period. 5. Have a valid email address valid physical address and valid phone numbers on file. MONEY MAKER ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. If you close your account before dividends are paid, you will receive the accrued dividends. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. Minimum balance requirements: You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union. VACATION ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. If you close your account before dividends are paid, you will receive the accrued dividends. Dividend period - For this account type, the dividend period is month , for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. Minimum balance requirements: You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union. CHRISTMAS CLUB ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is month , for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. Minimum balance requirements: No minimum balance requirements apply to this account. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Transaction limitations: You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. This limit will not apply after account holder reaches the age of 59 ½ years. COMMON FEATURES Bylaw requirements: You must complete payment of one share in your Share account as

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