LPS Employees FCU
5625 'O' Street, Suite 106 Rate and Fee Schedule Effective Date:  10/01/2011
Phone: (402) 486-3644
Account Type   Dividend Rates       Balance Requirements    
  Dividend/APY Dividends Compounded Dividends Credited Dividend Period Minimum Balance Interest Method Additional Deposits Withdrawals Renewals
Savings Accounts .5% / .5% Daily Monthly Monthly $5.00 Daily Balance Anytime Anytime N/A
                   
Checking Accounts .5% / .5% Daily Monthly Monthly $0.00 Daily Balance Anytime Anytime N/A
   
6 Month Certificate of Deposit  .75% / .75% Daily Monthly Monthly $500.00 Daily Balance With CU Approval At maturity or with penalty (see 5,6 & 7) Automatic renewal with a 20 day grace
   
12 Month Certificate of Deposit 1.00% / 1.01% Daily Monthly Monthly $500.00 Daily Balance With CU Approval At maturity or with penalty (see 5,6 & 7) Automatic renewal with a 20 day grace
1.  Rate information.  The Annual Percentage Yield (APY) is the amount 5. Certificate of deposit Early Withdrawal Penalty.
of interest paid assuming the given rate is compounded and paid monthly We may impose a penalty of up to 90 days interest upon early
for one year.  Dividends will begin to accrue on the business day of deposit. withdrawal of all or part of your certificate.
2. Balance Information.  Minimum balance requirements are stated above. 6. Exceptions to early withdrawal Penalties.
At our option, we may allow withdrawal(s) before maturity
3. How Dividends are calculated.  Dividends are calculated using the Daily without penalty upon the death or legal incompetancy of an account
Balance method.  The stated interest is applied to the balance at the end of the  owner, or for any reason with the approval of the credit union.
each day, and then accumulated and paid the last day of the month.
7. Certificate Renewal.  Your certificate will automatically renew
4. Closing an account.  If you close your account, you will receive the for another similar term upon maturity.  You have 20 days from the  
interest earned through the date prior to the date of closing. maturity date to withdraw funds without an early withdrawal penalty.
FEE SCHEDULE            
* Deposited Check Return Fee - $5.00  
* Non Sufficient Fund (NSF) Items - $10.00 through $30.00 - refer to Checking Account Agreement. NSF Item -$20.00)  
* Stop Payment of a members check or electronic transaction - $10.00 Fee  
* Stop Payment of a check issued by the Credit Union on your behalf - $30.00 Fee  
* Replacement of lost or damaged Debit Card - $10.00  
* Account Transfers - By member request or to cover checking account NSF - No Charge.
* Wire Transfers - Not Available - Contact CU for options to electronically transfer funds.
All Accounts are insured to at least $250,000.00 by the National Credit Union Share Insurance Fund (NCUSIF), an Agency of the U.S. Government.
The rates and fees of this Schedule are accurate as of the date shown above.  If you have questions, please call the credit union. 402-486-3644