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66 Federal Credit Union | A Better Way to Bank

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Rate & Fee Schedule

See Current Dividend Rates. Go to Current Rates.
See Current Loan Rates. Go to Loan Rates.

This rate and fee schedule is accurate as of today. Rates and fees are subject to change. If you have questions regarding the rate and fee information, please contact the Credit Union at (800) 897-6991.

Rate Schedule

	BALANCE REQUIREMENTS
Savings & Money Market Accounts	Dividends Compounded	Dividends Credited	Dividends Period
Savings	Monthly	Monthly	Calendar Month
Sub Savings & Christmas Club*	Monthly	Monthly	Calendar Month
Performance Fund	Monthly	Monthly	Calendar Month
Performance Plus	Monthly	Monthly	Calendar Month
Advantage Money Market (Advantage Checking Required)	Monthly	Monthly	Calendar Month
IRA Share	Monthly	Monthly	Calendar Month
Johnny Appleseed Ages birth to 13 yrs.	Monthly	Monthly	Calendar Month
	Minimum Opening Deposit	Minimum to Avoid Service Fee	Minimum to Earn Stated APY
Savings	$25.00	$25.00	$0.00
Sub Savings & Christmas Club*	$0.00	$0.00	$0.00
Performance Fund	$1,000.00	$1,000.00	Tiered
Performance Plus	$1,000.00	$1,000.00	Tiered
Advantage Money Market (Advantage Checking Required)	$10,000.00	$10,000.00	Tiered
IRA Share	$5.00	$0.00	$0.00
Johnny Appleseed Ages birth to 12 yrs.	$5.00	$0.00	$0.00
* Christmas Club Account funds are available from November 1 – December 31. Early withdrawals will be charged a fee of $10.00.

ACCOUNT FEATURES
Checking Accounts	Dividends Compounded	Dividends Credited	Dividends Period
Simply Free	N/A	N/A	N/A
Student Select (Student ID Required; Ages 15-24)	N/A	N/A	N/A
Dividend Account	Monthly	Monthly	Calendar Month
Gold (Ages 50+)	Monthly	Monthly	Calendar Month
Advantage	Monthly	Monthly	Calendar Month
	BALANCE REQUIREMENTS
	Minimum Opening Deposit	Minimum to Avoid Service Fee	Minimum to Earn Stated APY
Simply Free	$0.00	N/A	N/A
Student Select	$0.00	N/A	N/A
Dividend Account	$100.00	$400.00	$0.00
Gold (Ages 50+)	$100.00	N/A	$0.00
Advantage	$5,000.00	$5,000.00	Tiered
	Courtesy Pay Maximum*	eCheckDeposit Maximum**
Simply Free	$600.00	N/A
Student Select	$600.00	N/A
Dividend Account	$600.00	$2,500.00
Gold (Ages 50+)	$600.00	$2,500.00
Advantage	$600.00	$5,000.00
* Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details. ** With Dividend and Gold Checking accounts the maximum amount deposited via eCheckDeposit may not exceed a total of $2,500. For Advantage Checking the maximum amount deposited via eCheckDeposit may not exceed a total of $5,000.

dividend tiers
Advantage Checking, Performance Fund, Performance Plus and Advantage Money Market accounts earn dividends according to the following tiers:
Advantage Checking $0.00 – $999 $1,000 – $9,999 $10,000 – $24,999 $25,000+	Advantage Money Market $0.00 – $49,999 $50,000 – $99,999 $100,000 – $199,999 $200,000+
Performance Fund $0.00 – $999 $1,000 – $4,999 $5,000 – $9,999 $10,000 – $24,999 $25,000 – $49,999 $50,000 – $74,999 $75,000+	Performance Plus $0.00 – $999 $1,000 – $2,499 $2,500 – $9,999 $10,000 – $24,999 $25,000 – $49,999 $50,000 – $99,999 $100,000+

FEE SCHEDULE

SAVINGS ACCOUNT FEES
Service charge fee	$2.00 per month if minimum balance is not maintained
Savings account closing fee	$10.00 if account closing fee is opened less than six months
MONEY MARKET ACCOUNT FEES
Advantage Money Market Service Charge	$10.00 per month if average daily balance is below $10,000.00
Performance Fund/ Performance Plus service charge	$10.00 per month if average daily balance is below $1,000.00
Excessive draft fee	$10.00 per draft after three drafts per month
Performance fund drafts	Prices vary for pre-printed drafts
CHECKING ACCOUNT FEES
Check printing	FREE (our style; one box per order; non-duplicate or $10 towards the style of your choice)
Dividend account service charge†	$8.00 per month if average daily balance is below $400.00
Advantage account service charge	$10.00 per month if service charge average daily balance is below $5,000.00
Debit card replacement	First replacement card is free, $10.00 for each subsequent card
Temporary checks	$2.00 per book
OTHER SERVICE FEES (Apply to all accounts)
Online banking: eBranch, ePay & eStatements	FREE
Mobile banking	FREE
VISA® debit card†	FREE
ATM card	$3.00 per month
ATM balance inquiry	$1.00 per inquiry
ATM surcharge	$1.00 per transaction for savings-only holders
Account reconciliation	$20.00 per hour
Account research	$20.00 per hour
Canceled check copy fee	$1.00 per copy
Cashier's Check	$3.00 per check
Check cashing*	$7.00 for members with less than $100 average balance
Check-by-Phone	$10.00 per check
Collection items	$10.00 per item
Courtesy Pay Fee†	$28.00 per item
Deposited item return†	$5.00 per item
Dormant account^{** †}	$5.00 per month
Garnishments/tax levy	$20.00 per item
Insufficient funds fee†	$28.00 per item
Money orders	$2.00 per money order
Overdraft transfer fee†	$2.00 per transaction
Service wire	$5.00 per wire
Statement copy	$3.00 per copy
Stop payment fee†	$28.00 per item
Verification of deposit	$10.00 per item
Undeliverable mail fee	$10.00 after return of second statement
Wire transfer, Domestic	$17.00 per transfer
Wire transfer, international	$40.00 per transfer

* Excluding Johnny Appleseed accounts, CU Succeed accounts and checking accounts with direct deposit.
** Less than $100 and no activity for 6 months. Non-minor accounts only.
† New rates effective October 2011.

ACCOUNT DISCLOSURES

Balance method on Savings accounts, Sub Savings accounts, Checking accounts and Johnny Appleseed accounts is the average daily balance. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Balance method for the Performance Fund, Performance Plus and Advantage Money Market is the daily balance method. The daily balance method applies a daily periodic rate to the balance each day.

Transfers from a Savings, Sub Savings, Performance Fund, Performance Plus, Advantage Money Market and Johnny Appleseed account to another account or to third parties by pre-authorized, automatic, internet, telephone or other electronic means, along with checks and debit cards, are limited to six per calendar month or statement cycle.

The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Rates are updated online as needed.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rates and annual percentage yield are the prospective rates and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on non-cash items (i.e. checks) on the business day you make the deposit to your account.

If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.

Credit union membership par value is $5.00.

Johnny Appleseed accounts apply to members from newborn to twelve years of age. When a member holding a Johnny Appleseed account attains the age of thirteen, the account automatically becomes a Savings account. Savings account terms and fee schedules apply.