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RATES EFFECTIVE July 1, 2009
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Savings Products |
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Div Rate |
APY |
| Regular Share (Savings) |
1.00% |
1.005% |
| Share Draft Checking (Checking) |
0.25% |
0.2503% |
| IRA (call for IRA Share Certificate Rates (CDs) |
1.75% |
1.765% |
| Holiday Club Account |
1.50% |
1.511% |
| Vacation Club Account |
1.50% |
1.511% |
| 3 Month Certificate (CD) |
1.65% |
1.663% |
| 6 Month Certificate |
1.90% |
1.917% |
|
12 Month Certificate |
2.25% |
2.273% |
| 18 Month Certificate |
2.45% |
2.478% |
| 24 Month Certificate |
2.55% |
2.580% |

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Loan Products |
| |
TERM |
APR* |
| Thrift E53 VISA Credit Card |
|
9.90% |
| Bonus Point E53 VISA Credit Card |
|
14.28% |
| Share Secured Loan |
to 4 years |
4.25% |
| Stock Secured Loan |
to 4 years |
5.50% |
| Signature Loan |
to 4 years |
9.50% - 10.00%** |
| Educational Loan (payable to school only) |
Maximum $20,000 |
|
| Vacation Loans |
up to 12 months |
9.09% |
| 1st Mortgages, Home Equity Loans & HELOCs |
Call 1-800-880-0764 |
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|
New Auto |
up to 4 years |
4.75%** |
| 5 or 6 years |
5.25%** |
| Used Auto |
up to 4 years |
4.75%** |
| Used Auto |
5 years |
5.25%** |
*APR Annual Percentage Rate

**Rates per payroll deduction & direct deposit reflect .25% discount
Schedule of FEES (Effective 6/1/09)
Copies from Microfilm if available $25.00
Deposit Breakdown $10.00
Deposited Item Returned $25.00
Early withdrawal from scheduled club accounts $25.00
Foreign Collection Item $5.00
Non-Sufficient Funds $25.00
Original Item Request $10.00
Uncollected Funds/Overdraft Fee* $25.00
Overdraft Transfer* $4.00
Physical Draft Copies $5.00
Redposited Item Returned $10.00
Returned Items $25.00
Return Item Cashiering $25.00
Stop Payment Fee* $20.00
Statement Copy Fee $5.00
ATM and Debit Card Services
ATM Withdrawal/Transfer Fee $0.75 in excess of eight (8) per month
Reissue Debit Card $5
EFT Services
Incoming Domestic Wire No Charge
Outgoing Domestic Wire $20.00
Incoming International Wire No Charge
Outgoing International Wire $40.00
International Wire Cancellation Fee $60.00
Western Union Domestic $20.00
Western Union International - Automatic
0.00-500.00 $30.00
500.01-1000.00 $35.00
1000.01 - 2000.00 $40.00
2000.01-5000.00 $45.00
5000.01 - 10000.00 $60.00
Western Union International - Manual
0.00 - 500.00 $35.00
500.01 - 1000.00 $40.00
1000.01 - 2000.00 $45.00
2000.01 - 5000.00 $55.00
5000.01 - 10000.00 $65.00
Miscellaneous Charges
Amex Travelers Cheques Cost
Amex Gift Checks Cost
Cashier's Check $8.00
Escheatment Processing Fee $25.00
Inactive Account Fee* $5.00 per month
Legal Process $30.00
Levy/Collection Item $25.00
Money Orders $1.50
Notary Service No Charge
Research Per Hour $25.00
Visa Gift Card $3.95
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Fees subject to change |
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*Limitations Reserved By E53 Federal Credit Union |
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¹Includes but is not limited to Share Drafts, ACH and ATM withdrawals
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²Maximum of 6 debits per month from a share or money market account |
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Debits exceeding 6 will be charged a fee equal to the current Non-sufficient Funds fee |
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Repeated excess transfers will result in loss of overdraft privileges
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³Includes but not limited to Share Drafts and Certified Bank Checks |
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Special processing fee on Money Orders and Cashier's Checks apply |
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⁴Charges begin after 12 consecutive months of inactivity |
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Truth in Savings Account Disclosure
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