Fees

All fees based on per item are per presentment.

Share Value/Membership Fee
Par value of one share	$5.00
Membership fee	$1.00 to open account $12.00 to reopen the second time within a 12 month period of closing the membership share account. $24.00 to reopen the third time within a 12 month period of closing the membership share account $24.00 to reopen the fourth time or more within a 12 month period of closing the membership share account

Share Savings Account Fees
Checks/Teller Checks made Payable to third parties	$2.00/Each

Checking Account Fees
Overdraft fee	$24.00/Item
NSF fee	$24.00/Item
Stop Payment fee	$28.00/Request
Check Printing fee	Prices may vary depending upon style

Temporary Check Printing
First time	Free
Additional Temporary Check	$3.00/12

Interest Checking
Maintenance fee	$6.00 per month if the minimum balance is not maintained
Excess Check fee	$0.10/Item for each check processed by us in excess of forty (40) during a monthly statement cycle
Red Apple Checking Account Balance Below $100.00	$6.59/Month
Golden Red Apple Checking Account Balance Below $100.00	$6.59/Month

Money Market
After 6 Withdrawals (per month)	$7.50 fee per withdrawal

Super Money Market
After 3 Withdrawals (per month)	$7.50 fee per withdrawal

VISA® Debit Card
Replacement fee	$5.00 per card
Monthly Card fee	$0.00
Lost and Stolen (Merchant Recapture)	$50.00
Cashiers/Teller Checks made payable to third parties	$2.00 each

VISA® Credit Card
Replacement fee	$7.50

Other Service Fees (applicable to all accounts)
Account Reconciliation fee	$25.00 per hour (minimum ½ hour)
Account Research fee	$25.00 per hour (minimum ½ hour)
Statement Copy fee	$2.50 per copy on line $3.50 from microfilm
Legal Process Fee	Set by Texas Law
Lien/Levy/Garnishment/Writ of Garnishment Processing Fee. **Plus any legal fees incurred by the credit union.	$30.00**
Deposited item return fee	$15.00 per item
Items Sent for Collection fee	$3.00 per item
Reposession Processing	$250.00 per collateral
Wire Transfer Domestic (incoming) fee	$0.00 per transfer
Wire Transfer Domestic (outgoing) fee	$20.00 per transfer
Wire Transfer Foreign (Incoming) fee	$0.00 per transfer
Wire Transfer Foreign (outgoing) fee	$20.00 plus correspondent fees per transfer
Money order fee	$1.50 each
Check Cashing Fee for Nonmember	Up to 3% of check amount
Electronic Credit Card Payment	$10.00
Stop Payment Corporate Credit Union Checks	$28.00
Copy of Member Check fee	$3.00
Payroll Deduction Change fee	$0.00
Returned Mail fee	$5.00
Gift Check fee	$1.25
Check Hold Research fee	$5.00
VINguard TM Auto Facts	$15.00 (if the vehicle is financed with ECU within sixty (60) days of the report the fee will be reimbursed)
Visa Preauthorized Stop Payment	$28.00
ATM Surcharge fee	Varies depending on machine used
Loan Payment Via Debit Card	$5.00

Electronic Funds Transfer Fees

e-Branch
Monthly fee	No fee
Money Management Monthly fee	No fee
Mobile Banking Monthly fee	No fee
Text Banking Monthly fee	No fee
External Account Funds Transfer/Popmoney fee	Per transfer
Incoming	No fee
Outgoing	$2.50
Next Day (Outgoing)*	$5.00
NSF	$24.00 per item
Popmoney Stop Payment Fee	$28.00

e-Docs
Monthly fee	No fee

Web Bill Payment
Monthly fee	Free
Monthly fee with e-Docs	Free
Monthly fee with Golden Apple Checking	Free
NSF fee	$24.00
Stop Payment fee	$28.00

Online Digital Documents
Signing fee	No fee

Safe Deposit Box Fees
Annual Rental
Size	Fee
3 x 10	$24.00 per year
5 x 10	$40.00 per year
10 x 10	$72.00 per year
Change of Lock fee	$25.00, plus any locksmith charges
Drilling of Box fee	$25.00, plus locksmith charges for drilling
Replacement Key fee (per pair)	$25.00

Externl Account Funds Transfer/Popmoney (per transfer) Continued
Send Money- Pay From	Fee (Free to receive)	Limit per day	Limit per (rolling) 30 days
Debit Card*	$2.50	$500	$1,000
Bank Account	$2.50	$2,000	$5,000
Next Day Service	$5.00	$2,000	$5,000
*Debit card can only be used to send money thru Popmoney
Request Money	Fee	Limit per day	Limit per 30 days
Send a Request	$2.50	$1,000	$2,500
Pay a Request	Free	$2,500	$4,000

Effective as of January 4, 2016 which are subject to change without notice.

Disclosures

Savings and Checking Accounts Disclosure

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.

	DEPOSIT ACCOUNT	SUMMER PAY ACCOUNT
INTEREST Interest Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule
Interest Compounded	Daily	Daily
Interest Credited	Monthly	Quarterly
Balance Requirements
Minimum Opening Deposit	$25.00	$25.00
Minimum Balance to Avoid a Service Fee	—	—
Minimum Balance to Earn the Stated APY	$100.00	$100.00
Balance Method	Daily Balance	Daily Balance
Account Limitations (See Section 5 below)	Account transfer limitations apply	Account transfer limitations apply

	IRA ACCOUNT	EDUCATION SAVINGS ACCOUNT
INTEREST Interest Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule
Interest Compounded	Monthly	Monthly
Interest Credited	Monthly	Monthly
Balance Requirements
Minimum Opening Deposit	$50.00	$50.00
Minimum Balance to Avoid a Service Fee	—	—
Minimum Balance to Earn the Stated APY	$25.00	$25.00
Balance Method	Daily Balance	Daily Balance
Account Limitations (See Section 5 below)	Account transfer limitations apply	Account transfer limitations apply

	HEALTH SAVINGS ACCOUNT	NO SERVICE CHARGE CHECKING ACCOUNT
INTEREST Interest Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule
Interest Compounded	Monthly	—
Interest Credited	Monthly	—
Balance Requirements
Minimum Opening Deposit	$50.00	$25.00
Minimum Balance to Avoid a Service Fee	—	—
Minimum Balance to Earn the Stated APY	—	—
Balance Method	Daily Balance	Daily Balance
Account Limitations	see HSA Page

	INTEREST CHECKING ACCOUNT	RED APPLE CHECKING ACCOUNT
INTEREST Interest Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule
Interest Compounded	Monthly	—
Interest Credited	Monthly	—
Balance Requirements
Minimum Opening Deposit	$25.00	$25.00
Minimum Balance to Avoid monthly Service Fee of $6.00	$900.00	$100
Minimum Balance to Earn the Stated APY	$900.00	$900.00
Balance Method	Daily Balance	Daily Balance
Account Limitations	—	—

	GOLDEN APPLE CHECKING ACCOUNT	GOLDEN RED APPLE CHECKING ACCOUNT
INTEREST Interest Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule
Interest Compounded	Monthly	Monthly
Interest Credited	Monthly	Monthly
Balance Requirements
Minimum Opening Deposit	$25.00	$25.00
Minimum Balance to Avoid Monthly Service Fee of $6.59-Golden Red Apple Only	—	$100.00
Minimum Balance to Earn the Stated APY	$900.00	$900.00
Balance Method	Daily Balance	Daily Balance
Account Limitations	—	—

 

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

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

1. Rate Information.

   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. For Deposit, Summer Pay, IRA, Education Savings, Interest Checking, Red Apple Checking, Golden Red Apple Checking and Golden Apple Checking accounts, the Interest Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors.

2. Interest Compounding and Crediting.

   The compounding and crediting of interest applicable to each account are set forth in the Rate Schedule. The Interest Period begins on the first calendar day of the period and ends on the last calendar day of the period.

3. Accrual of Interest.

   For Deposit, Summer Pay, IRA, Education Savings, Interest Checking, Red Apple Checking, Golden Red Apple Checking, and Golden Apple Checking accounts, interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Deposit, Summer Pay, IRA, Education Savings, Interest Checking, Red Apple Checking, Golden Red Apple Checking, and Golden Apple Checking accounts, if you close your account before accrued interest is credited, accrued interest will not be paid.

4. Balance Information.

   The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Interest Checking, Red Apple Checking and Golden Red Apple Checking, there is a minimum daily balance required to avoid a service fee for the interest period. If the minimum daily balance is not met, there will be a service fee as set forth on the Fee Schedule. For Deposit, Summer Pay, IRA, Education Savings, Interest Checking, Red Apple Checking, Golden Red Apple Checking and Golden Apple Checking accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the interest period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using a Daily Balance method, interest is calculated by applying a daily periodic rate to the principal in the account each day.

5. Account Limitations.

   For Deposit and Summer Pay accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be by check, draft, or debit card to a third party. If you exceed these limitations, the transfer will not be made or your account may be subject to a fee or be closed. For IRA accounts and Education Savings accounts, you may not make any preauthorized, automatic or telephone transfers from you account at any time. For Interest Checking, No Service Charge Checking, Red Apple Checking, Golden Red Apple Checking and Golden Apple Checking, no account limitations apply.

6. Monthly Maintenance Fee.

   For Red Apple Checking and Golden Red Apple Checking, if balance falls below $100, the maintenance fee is $6.59. For Interest Checking, if balance falls below $900.00, the maintenance fee is $6.00.

7. Fees for Overdrawing Accounts.

   Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges

---

Share Savings, Money Markey and Super Money Market Accounts Disclosure

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.

	MONEY MARKET ACCOUNT	SUPER MONEY MARKET ACCOUNT	SHARE SAVINGS ACCOUNT
Dividend Rate/Annual Percentage Yield	Rate Schedule	Rate Schedule	Rate Schedule
DIVIDENDS
Dividends Compounded	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly
Dividend Period	Monthly (calendar)	Monthly (calendar)	Monthly (calendar)
BALANCE REQUIREMENTS
Minimum Opening Deposit	$15,000.00	$25,000.00	$25.00
Minimum Balance to Avoid a Service Fee	—	—	—
Minimum Balance to Earn the Stated APY	$ 2,500.00	$ 2,500.00	$100.00
Balance Method	Daily Balance	Daily Balance	Daily Balance
ACCOUNT LIMITATIONS (See Section 6 below)	Account Transfer limitations apply	Account Transfer limitations apply	Account Transfer limitations apply

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

1. Rate Information.

   The Annual Percentage Yield 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. For Share Savings accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. For Money Market Savings accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. The Share Savings account is a Tiered Rate account. If your Daily Balance is $100.00 to $4,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $5,000.00 to $24,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is from $25,000.00 to $49,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account will apply. If your Daily Balance is from $50,000.00 or greater, the fourth Dividend Rate and Annual Percentage Yield listed for this account will apply. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance will apply to the full balance of your account. The Money Market Savings account is a Tiered Rate account. If your Daily Balance is from $2,500.00 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $25,000.00 to $49,999.99, the second Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $50,000.00 to $99,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $100,000.00 or greater, the fourth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance will apply to the full balance of your account. The Super Money Market Savings account is a Tiered Rate account. lf your Daily Balance is from $2,500.00 to $24,999.99, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. lf your Daily Balance is from $25,000.00 to $49,999.99, the second Divided Rate and Annual percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $50,000.00 to $99,999.99, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate schedule will apply. lf your Daily Balance is from $100,000.00 to $149,999.99, the fourth Divided Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. If your Daily Balance is from $150,000.00 to $159,999.99, the fifth Dividend Rate and Annual percentage yield listed for this account in the Rate Schedule will apply. lf your Daily Balance is from $160,000.00 or greater, the sixth Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Once a particular range is met, the Dividend Rate and Annual Percentage Yield for that balance will apply to the full balance of your account.

2. Nature of Dividends.

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

3. Dividend Compounding and Crediting.

   The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. 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.

4. Accrual of Dividends.

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

5. Balance Information.

   To open any account you must deposit or already have on deposit at least the par value of one full share in a Share account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For all accounts, there is a minimum Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. If the minimum daily balance is not met each day of the dividend period, you will not earn the stated Annual Percentage Yield. For accounts using the Daily Balance method as stated on the Rate Schedule, dividends are calculated by applying a daily periodic rate to the balance in the account each day.

6. Account Limitations.

   For all accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from each account to another account or a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. For Super Money Market you are allowed no more than 3 pre authorized or telephone transfers. If you exceed these limitations, your account may be subject to a fee or closed.

7. Fees for Overdrawing Accounts. Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges

8. BONUS.

   Scottie Savers Club account holders earn one (1) Scottie Buck for each $5.00 deposited. Scottie Bucks may be redeemed for Scottie items on display at the Credit Union.

---

Certificate of Deposit Account Disclosure

The rates and fees appearing in these Schedules are accurate and effective for accounts as of the Effective Date indicated in these Rate and Fee Schedules. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

The Credit Union may offer other rates for these accounts from time to time.

Effective Date: Certificate of Deposit Date
Maturity Date: Certificate of Deposit Date

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

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

1. Rate Information.

   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. For Certificate of Deposit accounts, 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.

2. Interest Compounding and Crediting.

   The compounding and crediting of interest applicable to each account is set forth in the Savings Rate Schedule. *If crediting dividends Monthly or Quarterly, dividends will be transferred to another account or check mailed. If crediting dividends at Maturity, dividends can be added to CD, transferred to another account or check mailed.

3. Balance Information.

   The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Certificate of Deposit accounts, interest is calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day.

4. Accrual of Interest.

   For Certificate of Deposit accounts, interest will begin to accrue on noncash deposit (e.g. checks) on the business day you make the deposit to your account.

5. Transaction Limitations.

   After the account is opened, you may make deposits into the account until the maturity date stated on the account. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.

6. Maturity.

   Your account will mature as indicated on your Certificate of Deposit

7. Early Withdrawal Penalty.

   We may impose a penalty if you withdrawal before the maturity date. If your account has an original maturity of 182 days or less: The penalty we impose will equal three (3) months of interest on the amount withdrawn subject to penalty. If your account has an original maturity of 12 months or greater: The penalty we impose will equal half the term of interest on the amount withdrawn subject to penalty. There are certain circumstances, such as the death or incompetence of an owner where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax quantified plan.

8. 
   

   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 interest has already been paid, the penalty will be deducted from the principal.

9. Renewal Policy.

   Your Certificate of Deposit will either be automatically renewable or non-automatically renewable as indicated on your Certificate of Deposit. Automatically renewable account is defined as the Certificate of Deposit will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity or we receive written notice from you within the ten day grace period after the maturity date of this certificate. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Non-automatically renewable account is defined as the Certificate of Deposit will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

10. Each renewal term

    will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new certificates of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original certificate of deposit account.

11. Nontransferable/Nonnegotiable.

    Your account is nontransferable, nonnegotiable, and non assignable except as collateral at the option of the credit union.