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