*Dividend Rate. See "Truth-In-Savings" below. Fees may reduce earnings.
**Annual Percentage Yield (APY). See "Truth-In-Savings" below. Fees may reduce earnings.
***Dividend Schedule. Length of term for dividend compounding, dividend crediting, and dividend period.

Except as specifically described, the following disclosures apply to all of the accounts :

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are variable and may change daily at the discretion and determination of the Credit Union. Today's rates are set forth above.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Date which the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The dividend period for all dividend bearing accounts begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period as set forth above.

4. Accrual of Dividends. Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account is set forth above. For Primary Savings, Sub-Savings, Summer Savings, and Money Market Checking, the minimum balance required to obtain the stated Annual Percentage Yield is set forth above. If the minimum balance is not met, you will not earn the stated Annual Percentage Yield. For Check Plus and Money Market Checking accounts, the minimum balance requirement and dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. For all Savings accounts, dividends and the applicable minimum balance requirements are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period. For Check Plus checking accounts, a fee will be charged every month a $1,000 minimum balance is not maintained. For Business Economy Checking accounts, a monthly fee will be charged every month a $250 minimum balance is not maintained; for Business Basic Checking accounts, a monthly fee will be charged every month a $1,500 minimum balance is not maintained.

6. Account Limitations. The account limitations for each account are set forth above. For Primary Savings, Sub-Savings, Summer Savings, and Money Market Checking accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, telephone, Tele-Max, or E-Max transfers may be made from these accounts to another account of yours or to a third party in any calendar month. If you exceed these limitations, your accounts may be subject to a fee or be closed. For Money Marketing Checking accounts, the minimum withdrawal amount is $100 per transaction.

7. Privilege Pay Disclosure. WECU may pay, but is not obligated to pay, items that overdraw your account pursuant to section I.11 of the Membership and Account Agreement. We will notify you by mail if you qualify for Privilege Pay and the terms that will apply to you. WECU limits the amount by which your account may be overdrawn and will notify you of your limit. Privilege Pay applies to checks and withdrawals to your checking and savings account made in-person, by ATM, by EFT or other electronic means. You must bring your account to a positive balance within 35 days after the overdraft is created. Each account owner on a joint account will be liable for payment of any overdraft, regardless of who created the overdraft. WE RESERVE THE RIGHT TO SUSPEND/REVOKE THE DISCRETIONARY PRIVILEGE PAY AT ANY TIME. You may opt-out by contacting WECU at 360-676-1168, toll free 800-525-8703 or TTY 800-833-6388.

8. Aggregate Deposits. The aggregate deposits you may have in all credit union accounts is $5,000,000 unless you obtain specific approval from the VP/CFO and/or Finance Manager. 

The rates appearing in the above Schedule are accurate and effective for Savings and Checking Accounts as of the Effective Date indicated. Fees could reduce earnings. If you have any questions or require current rate information on your accounts, please call the Credit Union at (360) 676-1168 or (800) 525-8703 or TTY (800) 833-6388.