Credit Union of Colorado
Truth in Savings Disclosures
Rate Information. T年度百分比收益率(APY)是一个百分比,它反映了一个账户要支付的股息总额,该账户基于股息率和每年复利的频率. For Savings Accounts, 股息率和年利率是信用合作社预期在适用的股息期间支付的预期利率和收益率. For MMP and HSA Accounts, the dividend rate for a particular tier, as set forth above, 如果帐户余额在该级别的余额范围内,是否适用于整个帐户余额. For Savings Accounts and IRA Accounts, 由信用合作社董事会决定的股息率和年利率可能每季度变化. For MMP and HSA Accounts, 由信用社董事会决定的股息率和年利率可能随时发生变化. For Everyday Account w/Interest and Youth Checking accounts, 由信用社董事会决定的股息率和年利率可能每月变化. For Certificates, 股息率和年利率是固定的,并将在证书的期限内有效. 定期存单的年利率是基于股息将保留在存款中直至到期的假设. 从证书中提取股息会减少收益.
Nature of Dividends. 股息从当期收入和可用收益中支付,在股息期结束时按规定转入储备.
Dividend Compounding & Crediting. 股息的复利和贷记以及适用于每个帐户的股息期已在上面的利率表中列出. 股息期是指账户获得股息贷记的期末. 股息期开始于该期间的第一个日历日,结束于该期间的最后一个日历日.
Balance Information. The minimum balance requirements to open an account, avoid imposition of fees, 并取得在上述利率表中披露的年度百分比收益率. 股息是按每日余额法计算的,该方法每天对账户中的余额采用每日定期利率. Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For the Savings Account, Everyday Account, Everyday Account w/Interest, Youth Checking and IRA Accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid. For Everyday Account w/Interest, 每天最低余额为250美元,避免每月8美元的最低余额费, 账户余额低于250美元的任何一天都不会获得股息. For the MMP Account, 如果您的账户余额低于2美元,您将无法获得股息,500. Fees may reduce earnings.
Account Limitations. For the MMP Account, no more than three (3) debit transactions may be made from this account during any calendar month; a debit transaction includes any withdrawal, transfer, or check withdrawal; debit transactions in excess of three (3) per calendar month will be assessed a $15.00 fee. MMP账户在一年内超过每月三(3)笔借记交易限制三(3)次,可能会被关闭. 对于HSA账户,取款的次数或金额没有限制. 通过支票或电子方式从HSA中提取的款项将作为当年的正态分布报告给美国国税局. 存款以美国国税局允许的年度最大供款为限.
Fees for Overdrawing Checking Accounts. Courtesy Pay fees may be imposed on each overdraft per item, 每次发生(包括重复演示)从您的支票账户创建的支票, ATM, debit card or other electronic means.
Certificate Policies (including IRA Certificate Accounts)
Maturity:
您的帐户将根据您的证书收据或续期通知的要求到期.
Early Withdrawal Penalty:
如果您在到期日之前提取本金,我们可能会收取罚金.
Amount of Penalty:
For all certificates, 提前提款罚金的数额取决于你的存期. The penalty schedule is as follows:
- 期限为90天和6个月:30天的股息或赚取的股息,以较短者为准.
- 期限为1年15个月:90天股息或赚取股息,以较短者为准.
- 期限为18个月,2年和3年:180天股息或赚取股息,以较短者为准.
- 期限为4年和5年:365天股息或赚取股息,以较短者为准.
How the Penalty Works:
罚款的计算方式是没收已在证书上获得的部分股息. If the dividends have already been paid, 罚款可从证书本金或您的股份账户中扣除.
Exceptions to Early Withdrawal Penalties:
At our option, 在下列情况下,我们可以提前支付存单,而不收取提前支取罚款:
(i)当账户所有人死亡或被法院或其他有管辖权的机构认定为无法律能力时.
(ii)当证书为个人退休账户(IRA)且任何部分在设立后七(7)天内支付时. (iii)成员从IRA证书中获得所需的最低分配(RMD), in accordance with the Internal Revenue Code and regulations, may withdraw their RMD without penalty.
Renewal Policy:
The renewal policy on certificates is indicated above. 所有证书到期后将自动续期. On all certificates, 存单到期后您有十(10)天的宽限期,在宽限期内您可以提取存单中的资金,而不会被收取提前提取罚款.
Nontransferable/Nonnegotiable:
Certificates are nontransferable and nonnegotiable. 证书不得质押以保证所有人的任何义务, except obligations with Credit Union of Colorado. IRA certificates cannot be pledged.