Your savings federally insured to at least $250,000 and backed by the
full faith and credit of the United States goverenment. National
Credit Union Administration, a U.S. Government Agency.
Community Federal Credit Union
We do business in accordance with
the Federal Fair Housing Law and
the Equal Credit Opportunity Act.
Share Draft Checking
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No monthly service charge
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Unlimited check writing
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Monthly statements
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Overdraft protection
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Rates Effective January 1, 2021
Rate APY (Annual Percentage Yield)
0.05% 0.05%
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Dividends Compounded Monthly
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Dividends Credited Monthly
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Dividend Period Calendar Month
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Minimum to Open $20.00
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Minimum Balance of $100 to Obtain APY
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No Account Limitations
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in
this Rate and Fee Schedule are share accounts.
Rate Information. 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. For Share
Certificate and IRA Share Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be
in effect for the term of the account. For Share, Share Draft, Vacation, Scottie Savers Club, Christmas Club, and
IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit
Union’s Board of Directors. The Annual Percentage Yield is based on an assumption that dividends will remain on
deposit until maturity. A withdrawal of dividends will reduce earnings.
This account is a Variable Rate Account. You can earn a higher dividend rate and still maintain access to your
money.
Rates Effective January 1, 2021
Dividend Rate APY (Annual Percentage Yield)
0.15% 0.15%
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Dividends Compounded Monthly
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Dividends Credited Monthly
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Dividend Period Calendar Month
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Minimum to Open $2500.00
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Minimum Balance to Obtain APY $2500.00
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Account Limitations: Account Transfer and Withdrawal Limitations apply. $200 Minimum Withdrawal
Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you close this account
before dividends are credited, the accrued dividends will not be paid.
Minimum Requirements
The minimum balance to open this account is $2,500.00. If the balance falls below the $2,500.00 minimum, you
may be charged a fee as shown under "Fees and Charges".
The minimum withdrawal is $200.00
Fees and Charges
The following fees and charges may be assessed against your account:
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Fees for going below the $2,500 minimum $15.00 monthly
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Withdrawals or transfers above the six (6) monthly $ 5.00 each
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Check withdrawals above three (3) monthly $ 5.00 each
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All other current checking account fees will apply as stated in the Rate & Fee Schedule
Transaction Limitations
Up to six (6) transfers or withdrawals are permitted per month at no charge, three (3) of which can be by check.
Each withdrawal by check in excess of three (3) per month is charged as shown above. Each withdrawal or transfer
in excess of six (6) per month is charged as shown above.
TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in
this Rate and Fee Schedule are share accounts.
Rate Information. 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. For Share
Certificate and IRA Share Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will
be in effect for the term of the account. For Share, Share Draft, Vacation, Scottie Savers Club, Christmas Club,
and IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the
Credit Union’s Board of Directors. The Annual Percentage Yield is based on an assumption that dividends will
remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Money Market Share Draft Checking
Overdraft Protection
Check Card (Debit Card)
The card that does it all. You'll save time and trouble when you use your Check Card for everything from
gas to groceries, restaurants to retailers. Pay for your purchases electronically right at the cash register.
Unlimited number of purchase transactions. Unlimited number of cash withdrawal if your card is used at
any of the MoneyPass ATMs. If used at other machines, a $2.00 fee for each withdrawal will be charged.
If your card is lost or stolen during business hours call (402) 895-6880. After business hours call 800-472-
3272
Temporary Checks:
For a small fee you can purchase
temporary checks when needed to tide
you over until you receive your check
reorder. Just give us a call.
On Share Draft (Checking) Accounts
To give you that added cushion in your share draft (checking) for overdraft protection. A $500.00 overdraft loan
is available. See our Loan Rates page for current rates.