The Credit Union is currently not paying a dividend on share draft accounts regardless of the balance.

** Dividends are accrued daily and paid monthly, on the first day of the next month. If on any day your balance falls below the minimum balance you will not receive dividend for that day. If you close your account before the accrued dividend is paid you will not receive a dividend.

Please note that the one-year through five-year term share certificates earn dividends, which are paid quarterly into your term share certificate. Early redemption penalty is the forfeiture equal to the smaller of the following two amounts: dividends since the date of issuance, or 90 days' dividend per year of certificate. (Dividends are paid on the last day of March, June, September, December, and at Maturity.) Certificates purchased now automatically renew at maturity unless otherwise notified.

** Dividends may be paid only from current income and accumulated earnings, after required transfers to reserves at the end of each dividend period, except in the case of term share certificate accounts where the dividend rate is fixed for the term of the account. The APY and DR applicable to an account may therefore change from time to time as determined by the Credit Union's Board of Directors at its discretion.