Maximize Your Savings’ Potential

Your deposits with Advantage Credit Union are federally insured up to at least $250,000 with the National Credit Union Share Insurance Fund. For more information on federal share insurance, go to www.ncua.gov or call the Credit Union at 800-824-2575. Penalty for early withdrawal. Fees may reduce earnings on account. APY is accurate as of last interest declaration date. Penalty: Penalties for early withdrawal are equivalent of 90 days dividends on the amount withdrawn except the 30 and 36 month term has 180 days interest penalty. Partial withdrawals are allowed provided the balance does not fall below the minimum balance of the tier as set at time of opening. Rate information: Rates are as stated above and subject to change. Compounding and Crediting: Dividends will be calculated daily, compounded and paid monthly. The dividend period begins the day the account is opened. The annual percentage yield (APY) assumes that the dividend remains on deposit until maturity. Balance Computation Method: Advantage Credit Union uses the daily balance method to calculate the dividend on the account. This method applies daily periodic rate to the principal in the account each day. Accrual of dividends: Dividends begin to accrue on the account opening date. Transaction Limitations: You may make additional deposits to this account during the term. Withdrawals are subject to penalties set forth, excluding the 10 day grace period. Advantage Credit Union will waive the penalty if any account owner dies or may waive it if the owner is declared incompetent. Maturity: The maturity date is based on calendar months from the opening date. Renewal Policy: The account will automatically renew on the maturity date. Each renewal term will be the same as the original one at the current rate as of the renewal date. You will have a 10 day grace period. Advantage Credit Union will mail out a renewal letter at least 10 days before maturity. For further information, please call a Member Services Representative at (800) 824-2575. Credit Union membership is required for any credit union accounts. Minimum balance of $25.00 in prime shares required for membership. Rates subject to change. Federally Insured By the NCUA