STCU Rates

Standard Checking (S5)
Dividend Rate/ Annual Percentage Yield	none
Dividends Compounded / Credited	none
Dividend Period	none
Minimum Opening Deposit	none
Minimum Required Balance	none
Balance Method	none
Account Limitations	see #6 below

*The minimum opening deposit is $50 if the account is opened online.

Dividend Checking (S3)	$25,000.00 and above	$10,000.00 to $24,999.99
Dividend Rate/ Annual Percentage Yield	2.00% / 2.02%	1.50% / 1.51%
Dividends Compounded / Credited	monthly / monthly
Dividend Period	monthly
Minimum Opening Deposit	$10,000
Minimum Required Balance to Earn Stated APY	$25,000.00	$10,000.00
Minimum Balance To Avoid Service Fee	none
Balance Method	daily balance
Account Limitations	see #6 below

Applicable to All Accounts
Membership Fee	$20.00 (one time)
Student and Youth (under 18)	$5.00 (one time)
Current Month Account History	$2.00 per history
Copy of Statement	$2.00 per statement
Returned Check Fee (deposited item)	$15.00 per item
Inactive Account (for members over 18)	$15.00 per member (quarterly)
Cashiers Check for Member (not using CATT or STCU's NetTeller®)	$2.00 per item
Transfer by Phone, not using CATT	$1.00 per item
Telephone Single Authorization Payment (TEL)	$15.00 each request
Return Mail Fee	$5.00 per month
Garnishment Processing Fee	$75.00 per garnishment
Account Research	$25 per hour with $5 minimum
Copy of Statement	$2.00 per statement
Check Copies (99 items or less)	Research fee
Check Copies (100 or more)	Research fee + $1.50 per item
Rush Requests (next day, 10 items maximum)	Research fee + an additional $25
Overdraft Fees
Transfer from Other Deposit Account	None
Cash Advance Fee (transfer from Visa®)	2.00% of transfer ($5.00 minimum)
NSF Item Paid Fee (created by check, ACH, and CheckCard purchases)	$25.00 per item
NSF Item Returned Fee	$25.00 per item

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts named above.

Rate information. The Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The Dividend Rate and Annual Percentage Yield may change quarterly for Dividend Checking accounts as determined by the Board of Directors. The Dividend Checking account must maintain the minimum balance listed above to earn the disclosed Annual Percentage Yield. Once the minimum balance is met, the Dividend Rate and Annual Percentage Yield will apply to the entire balance in your account.
Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield are the prospective rates and yields that STCU anticipates paying for the applicable dividend period.
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.
Accrual of Dividends. Dividends will begin to accrue on both cash and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For Dividend Checking accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
Balance Information. The minimum balance required to open each account is set forth above. Accounts opened online have a minimum opening deposit requirement of at least $50 per account. For the Dividend Checking account, the minimum balance required to obtain the stated Annual Percentage Yield is set forth above. For all dividend-bearing accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day.
Account Limitations. Transaction limitations do not apply to the STCU Standard Checking and STCU Dividend Checking accounts.

The rates, fees, and charges shown are effective Thursday, November 20, 2008.

Spokane Teachers Credit Union may offer other rates for these accounts from time to time. For the most current rates available, please call (509) 326-1954 or toll-free at (800) 858-3750.

Federally insured by NCUA.