生效日期: 2023年7月1日

This Rate and Fee Schedule sets forth current conditions, 利率, fees and charges applicable to your deposit accounts at Washington State Employees Credit Union at this time. The Credit Union may offer other 利率 or amend the 利率 contained in this schedule from time to time. 如需当前价格，请致电查询 800.562.0999. Each account holder agrees to the terms set forth on this Rate and Fee Schedule and acknowledges that it is a part of the Consumer Account Agreement. The National Credit Union Administration insures your savings, 检查, and share certificates with WSECU up to $250,000 on individual accounts and up to $250,000 for Individual 退休 Accounts through the NCUA Share 保险 Fund. 欲了解更多信息，请访问网站 http://www.ncua.gov/

**平衡检查免收费用

***免费与黄金时间储蓄

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES: The 利率 appearing in this schedule are accurate and effective as of the effective date indicated above. (除 specifically described, the following disclosures apply to all of the accounts.)

1. 率信息: The Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The Dividend Rate and APY may change monthly as determined by the Management Pricing Committee.
2. 股息的性质: 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 Effective Date which the Credit Union anticipates paying for the applicable dividend period.
3. 复利和信贷: Dividends will be compounded and credited monthly. The Dividend Period for all accounts is monthly beginning on the first calendar day of the month and ending on the last calendar day of the month.
4. 应计股息: Dividends will begin to accrue on all deposits on the day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
5. 平衡信息: The average minimum balance required to earn dividends and obtain the APY on all accounts and to avoid interest 检查 monthly fees is set forth above. Dividends are calculated by the Average Daily Balance method which applies a daily periodic rate to the Average Daily Balance in the account for the period. The Average Daily Balance is determined by adding the principle in the account for each day of the period and dividing that sum by the number of days in the period. If the average daily balance falls below the established minimum of $2,000.00, dividends will not be paid at month end and fees may apply on 感兴趣的检查.
6. 账户限制: The account limitations for each account are set forth above. For non-dividend bearing savings accounts pending our receiving valid tax identification number, 不能添加其他服务. 摇钱树II accounts require maintenance of a minimum qualifying certificate (12-months or longer/ $2,000最低). Prime Times savings accounts require maintenance of a minimum qualifying share certificate (12-months or longer/ $2,000最低) and be at least 50 years of age. All IRA accounts are subject to IRS regulations.
7. 货币市场: Dividends will pay based on the tier your Average Daily Balance falls within on the last day of the month. A maximum of six electronic transfers (e.g., 检查, 网上银行, 通过电话, pre-authorized or automatic transfers and payments) per month are allowed.
8. 免去: For WSU students participating in the WSECU-WSU Student Membership/CougarCard Plus Program.
9. 礼貌支付: There is a daily fee cap of no more than five (5) 礼貌支付 fees a day. 如果账户少于10美元.00 negative after the 礼貌支付 transaction posts, no fee will be charged. WSECU 平衡检查 is not eligible for 礼貌支付.
10. 检查副本费用: Must provide the check number and clear date or the research fee applies.
11. 非活跃帐户费用: Applies to accounts that have been inactive for 15 months or more. 可能会有一些例外情况.
12. 年收益率(APY): 费用可能会减少收入. APY是基于1000美元的假定存款.