Thiokol Elkton Federal Credit Union

REGULAR SHARE/CHRISTMAS CLUB/VACATION ACCOUNTS

1.00% APR - 1.00% APY

IRA SHARE ACCOUNTS (*)

2.75% APR - 2.78% APY

CERTIFICATE RATES - Effective NOVEMBER 1, 2008:

	$500 Minimum Required
Months	APR	APY
6	2.95%	2.98%
12	3.00%	3.03%
24	3.15%	3.19%
36	3.25%	3.29%
48*	3.35%	3.39%
60*	3.50%	3.55%

Dividends are compounded and credited quarterly.

*These certificates have a one-time step-up option if rates rise any time during the life of the Certificate.

(*) Certificate rates can also be applied to IRA deposits

APR=Annual Percentage Rate; APY=Annual Percentage Yield

Penalty for withdrawal = three months interest.

Rates subject to change without notice.

NCUA Share Insurance Sign

FEE SCHEDULE

Share Draft Account Fees

Overdraft fee:ЕЕЕЕЕЕЕЕЕЕЕ.........Е.Е........$20.00 per item.
NSF fee:ЕЕЕЕЕЕЕЕЕЕЕЕ...........Е........Е...$20.00 per item.
Returned item fee:ЕЕЕЕЕЕЕЕ...............Е..ЕЕ..$20.00 per item.
Stop payment fee:ЕЕЕЕЕЕЕЕ........ЕЕ.......... $20.00 per request.
Check printing fee:ЕЕЕЕЕ..................Prices vary depending upon style.
Transfer fee:ЕЕЕЕ.......... $5.00 per transfer initiated by the Credit Union.
Check copy fee:ЕЕЕЕЕЕЕЕ....Е.......... $ 3.00 per cancelled check.
Electronic Funds Transfer Return Item Fee............................$20.00 per item.
Debit Card/PIN Replacement Fee...............................................................$5.00
Electronic Bill Pay Fee............initiated after 3 months of non-use..........$4.95 Monthly

Other Service Fees (applicable to all accounts)

Statement copy fee:ЕЕЕЕЕЕЕЕЕЕЕЕЕ.. $ 3.00 per statement
Wire Transfer fee:
Domestic (within the U.S.):ЕЕЕЕЕЕЕ......Е....$15.00 per transfer.
InternationalЕЕЕЕ........................Е..Е......Е....$40.00 per transfer.
Western Union Quick Cash Transfer fee: (per transfer)
Domestic (within the U.S.):ЕЕЕЕЕЕ..................Е......Е....$20.00
International up to $500Е...........................................................$30.00
International over $500.ЕЕ........................2% of Principal Plus..$20.00
Travelers checks fee:ЕЕЕЕЕЕ.........................Е.. $1.00 per $100.00.
Check copy fee:ЕЕЕЕЕЕЕЕ....Е.......... $ 3.00 per cancelled check.
Electronic Funds Transfer Return Item Fee..........................$20.00 per item.
Official Check Withdrawals (in excess of three per month)....$2.00 per check
Research Fee...................(one hour minimum).....................$15.00 per hour.
Account Garnishment/Levy...............................................................$50.00.
Account History Printout....................................................................$1.00.
Deposited Return Item.......................................................................$5.00.
Special Handling/Rush DeliveryЕЕЕЕЕЕЕЕЕЕЕ.......$10 to $30.
Low balance feeЕ$2.00 per month assessed on accounts with combined balances less than $50.00 after six months of inactivity (Members age 18 and under are exempt)

Fees could reduce earnings on your account. The rates and fees may change from time to time as determined by the Board of Directors. If you have any questions or require current rate and fee information, please call the Credit Union.

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