POLICY & DISCLOSURE BOOKLET ADENDUM
 
TERMS & CONDITIONS OF YOUR ACCOUNT(S)
 
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NCUA Insurance - Funds in your account(s) with us are insured by the National Credit Union Administration (NCUA) and
backed by the full faith and credit of the United States. The amount of insurance coverage you have depends on the number of accounts you have with us and the ownership of those accounts. (For example, if you have one individual account with us, it will be insured to $250,000.) If you want additional information, you may ask us or contact the local office of the NCUA
 
FUNDS AVAILABILITY
 
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Delayed Availability -The funds availability for other check deposits will be based on whether a check is local or non-local. Our policy is to make funds available from the deposit of a local check as follows: the first $200 will be available on the first business day after the day of deposit. The remaining funds will be available on the third business day after deposit. Our policy is to make the funds available from the deposit of a non-local check as follows: The first $200 will be available on the first business day after the day of deposit. The remaining funds will be available on the fifth business day after the day of deposit. When a member deposits both local and non-local checks on the same day, no more than $200 will be available on the first business day after the day of deposit. 
 
Longer Delays May Apply - In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available to you until the seventh business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day after the day of your deposit. 
 
TRUTH-IN-SAVINGS DISCLOSURE
 
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SHARE SAVINGS ACCOUNTS
 
Minimum Balance Requirements –All members must maintain $5.00 in their account at all times.
 
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Certificates Of Deposit
 
Minimum Balance Requirements – The minimum balance required to open this account is $1,000.00. You must maintain a minimum average daily balance of $1,000.00 in your account to obtain the disclosed annual percentage yield.
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Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act