科罗拉多信用社

频率信息. The annual percentage yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. 储蓄帐户, the dividend rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. 对MMP的, 日常账户 w/High-Yield 储蓄 and HSA Accounts, 特定等级的股息率, 如上所述, will apply to the entire account balance if the account balance is within the balance range for that tier. 储蓄账户和个人退休账户, the dividend rate and APY may change quarterly as determined by the Credit Union's Board of Directors. 对MMP的, 日常账户 w/High-Yield 储蓄 and HSA Accounts, the dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. 适用于无利息的日常账户 and Youth Checking accounts, the dividend rate and APY may change monthly as determined by the Credit Union Board of Directors. 的证书, the dividend rate and APY are fixed and will be in effect for the term of the Certificate. The APY on Certificates is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends from a Certificate will reduce earnings.

股息的性质. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

股息复合 & 发放贷款. The compounding and crediting of dividends and the dividend period applicable to each account are set forth in the rate schedules above. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

平衡信息. 开户的最低余额要求, 避免收取费用, and obtain the annual percentage yield disclosed are set forth in the rate schedules above. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 非现金存款将开始产生股息.g. checks) on the business day you make the deposit to your account. 储蓄帐户, 日常账户, 无利息日记帐, 青少年支票和个人退休帐户, if you close your account before accrued dividends are credited, 应计股息将不予支付. 适用于无利息的日常账户, there is a $250 minimum daily balance required avoid an $8 per month minimum balance fee, and account will not earn dividends for any day the balance is less than $250. 对于MMP帐户, your account will not earn dividends for any day the balance is less than $2,500. 为日常账户w/高收益储蓄, you will not earn dividends for any day the balance is less than $500 or any balance greater than $25,000. The 日常账户 w/High-Yield 储蓄 is subject to closure if minimum balance is not met for 60 consecutive days. 费用可能会减少收入.

账户限制. 开户的最低余额要求, 避免收取费用, and obtain the annual percentage yield disclosed are set forth in the rate schedules above. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 非现金存款将开始产生股息.g. checks) on the business day you make the deposit to your account. 储蓄帐户, 日常账户, 无利息日记帐, 青少年支票和个人退休帐户, if you close your account before accrued dividends are credited, 应计股息将不予支付. 适用于无利息的日常账户, there is a $250 minimum daily balance required avoid an $8 per month minimum balance fee, and account will not earn dividends for any day the balance is less than $250. 对于MMP帐户, your account will not earn dividends for any day the balance is less than $2,500. 对于日常wi/高收益储蓄, you will not earn dividends for any day the balance is less than $500 or any balance greater than $25,000; fees may reduce earnings. 每天w/高收益储蓄与$0.00 balance on day sixty-one (61) following account opening will automatically be closed.

透支支票帐户的费用. Courtesy Pay fees may be imposed on each overdraft per item, per occurrence (to include repeat presentments) from your checking account created by check, 自动取款机, 借记卡或其他电子方式.

证书策略(包括IRA证书)

成熟: Your account will mature as indicated on your request for Certificate Receipt or Renewal Notice.

提前提款罚款: We may impose a penalty if you withdraw any of the principal before the maturity date.

罚款金额: 对于所有证书, the amount of the early withdrawal penalty is based on the term of your certificate. 

罚款时间表如下: 

Terms of 90 days and 6 months: 30 days dividends or dividends earned, 取较小者.

Terms of 1 year and 15 month Promo Certificate: 90 days dividends or dividends earned, 取较小者.

Terms of 18 months, 2 and 3 years: 180 days dividends or dividends earned, 取较小者. Terms of 4 and 5 years: 365 days dividends or dividends earned, 取较小者.

如何处罚: The penalty is calculated as a forfeiture of part of the dividends that have been earned on the certificate. 如果股息已经支付, the penalty may be deducted from the principal of the certificate or your share account.

提前提款罚款的例外情况: 由我们选择, we may pay the certificate before maturity without imposing an early withdrawal penalty under the following circumstances:

(i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.(ii) When the certificate is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment. (iii) Members taking a required minimum distribution (RMD) from an IRA certificate, in accordance with the Internal Revenue Code and regulations, 可撤回RMD而不受罚款.

更新政策: 证书的续订策略如上所示. All certificates will automatically renew for another term upon maturity. 在所有证书上, you have a grace period of ten (10) days after maturity in which to withdraw funds in the certificate without being charged an early withdrawal penalty.

不可转让的/禁止转让的: 证书是不可转让和不可转让的. Certificates may not be pledged to secure any obligation of an owner, 除了对科罗拉多信用社的义务. IRA证书不能质押.