Truth in Savings Disclosure

• BYLAW REQUIREMENTS - You must complete payment of one share in you Regular Savings account as a condition of admission to membership.
• TRANSACTIONS LIMITATIONS - We reserve the right to, at any time, require not less than 60 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined be Regulation D.
• NATURE OF DIVIDENDS - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. This disclosure further explains the dividends feature of your non-term share accounts(s). We may not pay dividends for an item deposited and subsequently returned unpaid (i.e. NSF).
• NATIONAL CREDIT UNION SHARE INSURANCE FUND - Member accounts in this credit union are federally insured be the National Credit Union Share Insurance Fund.