Rates for Consumer and Business Accounts

The rates, fees and charges applicable to accounts at Unity One Credit Union are provided in this Rate and Fee Schedule. The rates, fees, and charges listed here are effective as of 11/17/2008, and are subject to change.

Dividends

Savings Certificates⁵

Added Certificate Features
* Add-On to Your Balance. You can add on to the balance of your certificate one time per full year (12 months) throughout the term of your certificate. That means that a 6-month to 23-month certificate can add-on once; a 24-month to 35-month certificate can add-on twice; a 36-month to 47-month can add-on three times; and a 48-month certificate can add-on four times. Each time you add-on, the amount is limited to a minimum of $500.00 and a maximum of the current value of the certificate.
** Name Your Own Term. You can set your certificate with a term that best suits your needs. The term must be set in full-month increments and cannot be less than 6 months or greater than 4 years. The rate you receive is the same as the rate of the certificate preceding it. For example, a 10-month certificate would earn the 6-month rate and a 40-month certificate would earn the 3-year rate.
*** Bump Up Privilege. If Unity One certificate rates go up any time during the term of your 2- or 3-year certificate, you have a one-time privilege to convert to the higher rate for the remainder of the term. You should notify us in writing and we will convert your rate immediately.
^† Special 15-month term and rate is offered only during promotional periods and is only for a limited time. Nonrenewable term. Upon maturity, funds and earned dividends will be renewed into a 1-Year Savings Certificate unless you notify us otherwise.

Special Accounts⁶

Limitations on Accounts (also see section F further below)
¹ Transfer limits
² No transfer limits
³ IRA withdrawal limits apply
⁴ Withdrawal and transfer limits
⁵ Dividends compounded quarterly. Dividends credited quarterly. Quarterly dividend period. Minimum Add-on amount of $500.00. Maximum Add-on amount is equal to the current value of certificate. Withdrawals are not allowed. Renewed automatically.
⁶ Minimum opening deposit of $10.00. Unlimited additional deposits. Minimum Add-on amount of $10.00 per month. Unlimited maximum Add-on amount. No withdrawals allowed. Renewed automatically. Convertible feature not available.
⁷ Rate is variable and subject to change. Minimum deposit required to open account is $10,000. No monthly service charge if your account falls below $10,000. You will not earn dividends if your account falls below $10,000. Terms and conditions of this offer are subject to change without notice. Withdrawal limitations apply. Maximum of six electronic withdrawals a month allowed per Federal Regulation D. E-statement required with High-Yield Savings account. You will be assessed a $2 fee per month if you opt-out or cancel your E-Statement service. (IRA/Roth IRA High-Yield Savings notice: withdrawal limits apply and may be subject IRS penalties. Consult your Tax Advisor for guidance.)

Loan Rates

The rates, fees, and charges listed here are effective as of 11/17/2008 and are subject to change. Rates are quoted "as low as" and are Annual Percentage Rate (APR). Rates are set by the board of directors. Home equity loans are not available in all states. Unity One CU currently offers home equity loans only in the following states: Minnesota, Wisconsin, Illinois, Kansas, Missouri, Texas, Oklahoma, Arkansas, Colorado and New Mexico.

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Click here for today's mortgage rates.

Account Disclosures
A. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield may change at the discretion of the Credit Union's Board of Directors.
B. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves. The Dividend Rate and Annual Percentage Yields are prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
C. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
D. Accrual of Dividends and Effect of Closing an Account. Dividends will begin to accrue on deposits on the business day you make the deposit to your account. If you close your account before a dividend payment date, we will not pay you dividends which have accrued for that dividend period.
E. Balance Requirements. The minimum balance required to open each account is set forth above. Dividends are calculated by applying a daily periodic rate to the principal in the account each day. Dividends are not paid on any day that the above stated minimum balance to earn APY is not in the account.
F. Limitations on Accounts. The account limitations for each account are set forth above. Per Regulation D, for a savings account in which transfer limitations apply, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours (monthly period being the first day of the month to the last day of the month). If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. The IRS imposes certain restrictions on withdrawals and transfers from IRA accounts. Please see a credit union representative for details. For the Money Market Account, no more than six (6) preauthorized (including check clearings), automatic, telephone or in-person transfers or withdrawals are allowed. If you exceed the transfer and withdrawal limitations set forth above in any statement period, you will be subject to a $18 excessive withdrawal fee per incident over six (6).

Fee Schedule

Checking Account Fees
Basic Checking Account Service Charge	$3.00 per month
Privilege Pay Usage Fee	$25.00 per item
NSF (Nonsufficient Funds) Draft Charge	$30.00 per item
Express Card NSF Transaction (Nonsufficient Funds to cover)	$30.00 per item
ACH Returned NSF	$30.00 per item
Photo Request (Copy of Cleared Check)	$1.00 per copy (first two free per statement period)
Per Check Cleared Fee	50 checks free per month, $.10 per item after 50
Express Card Annual Fee (1st card)	Free
Express Additional Card Fee	Free for first year then $3.00, free with 2nd direct deposit
Express Replacement Card Fee	$3.00 each
Stop Pay Charge	$25.00 per item or series of items
Bill Pay Stop Pay Charge	$25.00 per item or series of items
Bill Pay NSF Fee	$25.00 per item
Checks Placed for Collection	$30.00 per check
Check Printing Price	Will vary on style and quantity ordered, reorder Liberty checks online Additional Money Market Account Fees
Excessive withdrawals/transactions fee	$18.00 per item over six
Check Printing (50 pack for MMA only)	Price varies, please ask for details, reorder Liberty checks online Other Fees (applicable to all accounts)
Statement Copy Fee
Research Fee	$15.00 per hour, first 15 minutes free
Computer printout of account history fee	$2.00 per request
ACH Stop Pay Fee	$25.00 per item or series of items
Returned Check Fee (single party)	$30.00 per item
Returned Check Fee (second party)	$4.00 per item
Wire Transfer Fee (incoming)	$5.00 per item
Wire Transfer Fee (outgoing)	$15.00 per item
IR-Net Wire Fee	$8 for up to $10,000
Western Union Fee (domestic)	$18.00 per item
Miscellaneous Fees
Traveler's Cheques
Money Orders	$1.00 each
Traveler's Cheques For Two	$1.00 per $100.00
Visa Gift Card	$3.00 per gift card
Coupon Deposit	Subject to clearing bank charges
International Wire Transfer or Western Union Fee	$30.00 per item
Collection Items	Subject to clearing bank charges
Check Cashing	Free for checks under $100 Free if under age 18 $2 per check for $101-$499 $5 per check over $500

* The checking and money market accounts statement period is the first day through last day of each month.

Business Account Fees
Minimum Opening Balance	$100
Monthly Service Fees	none with average daily balance over $2,500 otherwise $10 per month
Currency In Fee	free up to $5,000 per transaction $.01% fee over $5,000
Currency Out Fee Per Transaction	free up to $500 per transaction $.015% fee over $500
Check Transaction Fees	200 free per month $.25 per item 250-500 $.30 per item over 501
Rolled Coin Fee	Five free rolls per day $.08 per roll above five
Sweep Fee	None