Savings and Checking Rate and Fee Schedule

855.855.8805 | firsttechfed.com

Effective date: August 1, 2014

The rates set forth on this sheet are subject to change without notice.
Dividend
Rate

Accounts

Annual
Percentage
Yield

Min. Opening
Balance

Min. Avg. Daily

Balance to
Avoid Fee

Dividend
Compounded
& Credited

Dividend
Period

Savings Accounts
Membership Savings

0.05%

0.05%

$5.00

NA

Monthly

Monthly

Carefree Savings

0.10%

0.10%

$0.01

NA

Monthly

Monthly

IRA Savings, Roth IRA Savings, Coverdell Savings

0.05%

0.05%

$0.01

NA

Monthly

Monthly

$0.01 - $2,499.99

0.05%

0.05%

$5,000

NA

Monthly

Monthly

$2,500 - $9,999.99

0.15%

0.15%

$5,000

NA

Monthly

Monthly

$10,000 - $24,999.99

0.23%

0.23%

$5,000

NA

Monthly

Monthly

$25,000 - $99,999.99

0.25%

0.25%

$5,000

NA

Monthly

Monthly

$100,000 - $249,999.99

0.33%

0.33%

$5,000

NA

Monthly

Monthly

$250,000+

0.35%

0.35%

$5,000

NA

Monthly

Monthly

$0.01

NA

NA

NA

Instant Access (Savings, IRA, Roth IRA, Coverdell)

Checking Accounts
Carefree Checking

NA

NA

Dividend Rewards Checking (Qualified Rate)

**

$0.01 - $10,000.00

1.57%

1.58%

$0.01

NA

Monthly

Monthly

0.16%

0.16%

$0.01

NA

Monthly

Monthly

Dividend Rewards Checking (Non-Qualified Rate)

0.05%

0.05%

$0.01

NA

Monthly

Monthly

HSA Checking

1.00%

1.00%

$0.01

NA

Monthly

Monthly

$10,000.01+
**

Dividend Rewards Checking. The dividend rate and the corresponding annual percentage yield (APY) on your account will be determined by
whether or not account qualifications have been met per monthly cycle. Qualifications per monthly cycle are 12 debit card purchases, one direct
deposit or ACH withdrawal and receipt of electronic statements. Qualifying transactions must post to the account prior to the last day of the
month. Debit card purchases can take up to 3 days to post and are dependent on merchant processing times. If the requirements per qualification
period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate. Fees charged at U.S. ATMs will be refunded if
account qualifications are met for the monthly cycle the fee was charged in.

**

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Savings and Checking Rate and Fee Schedule

855.855.8805 | firsttechfed.com

Effective date: August 1, 2014

We may assess the following fees against your account. The following transaction limitations, if any, apply to your account.
Account activity printout...................................................................................................................................................................................$1.00
Account balancing assistance.........................................................................................................................................................$25.00 per hour
Account research.............................................................................................................................................................................$25.00 per hour
American Express check dispensing machine.......................................................................................................................................................1%
American Express Gift Checks............................................................................................................................................................$2.50 per check
ATM cash withdrawal or inquiry from non-proprietary ATMs in excess of six during a month
(does not apply to Dividend Rewards Checking)........................................................................................................................................$2.00
ATM deposit adjustment...................................................................................................................................................................................$5.00
Cashiers check....................................................................................................................................................................................................Free
Check orders and re-orders...............................................................................................................(fee depends on style and quantity ordered)
Check copy.........................................................................................................................................................................................................$1.00
Deposit verification.............................................................................................................................................................................................Free
Fed Ex Overnight.............................................................................................................................................................................................$20.00
First Checking Plus account if $500.00 minimum average daily balance is not maintained........................................................$7.50 per month
(not available for new accounts)
Foreign item fee...............................................................................................................................................................................................$15.00
Foreign currency exchange fee........................................................................................................................................................................$15.00
Legal actions, garnishments, executions or levies...........................................................................................................................................$25.00
Nonsufficient funds*.......................................................................................................................................................................................$28.00
Online BillPay expedited payment.................................................................................................................................................................$15.00
Overdraft*......................................................................................................................................................................................................$28.00
Payment or deposit over the telephone from non-First Tech debit or credit card...................................................................................$10.00
Returned deposited item................................................................................................................................................................................$10.00
Safe deposit box
3 x 5...........................................................................................................................................................................................................$23.00
3 x 10...........................................................................................................................................................................................................$45.00
5 x 5..............................................................................................................................................................................................................$46.00
5 x 10........................................................................................................................................................................................................$58.00
10 x 10.......................................................................................................................................................................................................$97.00
Box drilling................................................................................................................................................................................................$200.00
Lock change..............................................................................................................................................................................................$10.00
Key deposit...............................................................................................................................................................................................$16.00
Specialized letters............................................................................................................................................................................................$25.00
Statement copy (prior to most recent).............................................................................................................................................................$1.00
Stop payments (each check, BillPay, ACH, cashiers check)............................................................................................................................$20.00
Temporary check.................................................................................................................................................................................................Free
Travelers checks..................................................................................................................................................................................................Free
VISA International transaction fee (applies to debit and ATM transactions outside of the U.S...............................1% of purchase amount
Wire transfer (domestic outgoing)..................................................................................................................................................................$15.00
Wire transfer (foreign outgoing).....................................................................................................................................................................$40.00
* This fee applies to the following categories of transactions: share draft, check, ACH or other electronic means.

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Savings and Checking Rate and Fee Schedule

855.855.8805 | firsttechfed.com

Effective date: August 1, 2014

Membership Savings, Carefree Savings, IRA Savings, Roth IRA Savings, Coverdell Savings, Instant Access Savings, IRA Instant Access
Savings, Roth Instant Access Savings, Coverdell Instant Access Savings, Carefree Checking, HSA Checking and Dividend Rewards Checking
RATE INFORMATION:
The dividend rate and annual percentage yield may change at any
time, as we determine.
Compounding and crediting. We compound and credit your dividends
monthly.
Dividend period. For the above account types, the dividend period is
monthly, for example, the beginning date of the first dividend period
of the calendar year is January 1, and the ending date of such dividend
period is January 31. All other dividend periods follow this same date
pattern. The dividend declaration date is the last day of the dividend
period, and for the example above is January 31.
MINIMUM BALANCE REQUIREMENTS:
We list the minimum balance required to open an account on our rate
sheets.
Daily balance computation method. We calculate dividends by the
daily balance method, which applies a daily periodic rate to your daily
account balance.
Accrual of dividends on noncash deposits. Dividends will begin to
accrue on the business day you deposit non-cash items (for example,
checks) to your account.
Transaction limitations. Applies only to Membership Savings, Carefree
Savings and Instant Access Savings accounts. As required by Federal
Reserve Regulation D, you may not make more than six withdrawals or
transfers to your credit union account or to a third party by means of
a preauthorized or automatic transfer, telephone order or instructions
during any statement period.
BYLAW REQUIREMENTS:

Please refer to our separate rate sheet for current dividend rates and
annual percentage yield information and to our separate fee scheule for
additional information about charges.
APPLIES ONLY TO DIVIDEND REWARDS CHECKING ACCOUNT:
Rate Information. Your dividend rate and corresponding annual
percentage yield (APY) will either be the qualified or non-qualified
rate, depending on whether or not your account qualified during the
monthly cycle.
Qualification requirements per monthly cycle:
Make 12 debit card purchases
Have 1 direct deposit or ACH withdrawal
Be enrolled in electronic statements
Qualifying transactions must post to your account prior to the last
day of the month. Debit card purchases can take up to 3 days to post
and depend on merchant processing times. If you dont meet the
requirements for a qualification period, youll earn the non-qualified
rate and corresponding APY.
Well refund any U.S. ATM fees charged if you meet the account
qualifications in the month you incurred the fee.

National Credit Union Share Insurance Fund. Your credit union

accounts are federally insured by the National Credit Union Share
Insurance Fund.
1993 Wolters Kluwer Financial Services Bankers Systems Form
TIS-BRO-CU 12/14/93 Custom 4q 2788429-010

You must complete payment of one share in your Membership Savings

account as a condition of your membership.
Nature of dividends. We pay dividends from current income and
available earnings, after reserve transfers at the end of a dividend
period. (This disclosure further explains the dividend feature of your
non-term share account(s).)

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