生效日期:2月. 17, 2021
本费率和费用表列出了当前的条件, 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. 要了解当前的价格，请致电 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 and 业务 Account Agreements. 国家信用社管理局为您的储蓄提供保险, 检查, 和证书帐户与WSECU最高250美元,000.个人账户，最高25万美元.00 for Individual 退休 Accounts, through the National Credit Union Share 保险 Fund. 有关其他保险范围的信息，请访问 http://www.ncua.gov/
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.)
率信息: The Dividend 利率 and Annual Percentage Yields (APY) on your accounts are set forth above. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. Withdrawal of dividends (prior to maturity) will reduce earnings and affect the APY.
- 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.
- 复利计算和发放贷款: 股息将按月复利并记入贷方. The dividend period for all certificate accounts is monthly beginning on the first calendar day of the month and ending on the last calendar day of the month. Once dividends are credited to the certificate they become part of the principle balance and are subject to the early withdrawal penalty.
平衡信息: The minimum balances required to open each account are set forth above, 这也是获得所披露的APY的最低收益. 股息按日平均余额法计算, which applies a daily periodic rate to the principal in the account each day. 减少最低余额要求从$1,在十一月二十九日或以后开立的证书，收费为$ 000至$250, 2018.
- 股息收益: Dividends will begin to accrue on the business day you deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- 交易限制: You may make additional deposits to your certificate account only at maturity. 您可以每月以自动转帐的方式提取股息.
- 成熟: Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
- 账户限制: Money Mover II accounts require a minimum-qualifying certificate (12-month or longer/$2,000 minimum).
- 的处罚: The amount of the early withdrawal penalty is 90 days of dividends for certificate account terms of 6个月- 60个月 or 365 days of dividends for the 84 month certificate account for any withdrawal prior to maturity. 惩罚是如何起作用的. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. 它适用于股息是否已经赚取. 换句话说, if the account has not yet earned enough dividends or if the dividend has already been paid, 罚款将从委托人身上扣除. 早期退出罚款的例外. 在银河游戏官方网的选择, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) When the certificate account is an Individual 退休 Account and the withdrawal is for the annual required minimum distribution.
- 更新政策: Certificate accounts are automatically renewable and will renew for an additional term upon maturity. There is a 10-calendar day grace period in order to close the account without penalty. Please notify us prior to maturity if you do not wish this account to automatically renew (dividends will not be paid after maturity). The entire deposit may then be transferred to another account of yours.
- 不可转让的/禁止转让的: 您的帐户是不可转让和转让的. The funds in your account may not be pledged to secure any obligations of an owner, 与信用社的义务除外.
JustU: 账户的年龄在18-25岁之间. WSECU will make a $25 bonus deposit to new JustU Certificates opened with a minimum $100 deposit. Offer limited to new or existing JustU accounts for eligible members in good standing. 每位会员一份优惠. 90天内不能提取或转账的资金. 在90天前关闭证书将丧失奖金. $25 bonus deposit will be reflected in dividend earnings and will be reported at year end on members’ 1099-INT forms to the IRS. 年收益率(APY): 收费可能会减少收入. APY是基于250美元的假定存款. 可用性: Certificate is only available to Consumer, Traditional IRA, and Roth IRA Accounts.