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Aes-Emdocscc (For Daniel Lee Glover) - Encrypted
Aes-Emdocscc (For Daniel Lee Glover) - Encrypted
Rates and fees appearing with this Schedule are accurate and effective for accounts as of this Effective Date. Rates,
fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The
Credit Union may offer other rates for these accounts from time to time.
RATE SCHEDULE
ACCOUNT TYPE DIVIDENDS BALANCE REQUIREMENTS ACCOUNT LIMITATIONS
Dividend Rate/ Minimum Minimum
Dividend Minimum
Annual Dividends Dividends Balance to Balance to Balance
Period Opening Limitations/Requirements
Percentage Yield Compounded Credited Avoid a Earn Stated Method
(calendar) Deposit
(APY) Fee APY
Average Daily Account Transfer and Withdrawal
Share Savings 0.05%/ 0.05% Quarterly Quarterly Quarterly $10.00 See Section 5 $150.00
Balance limitations apply. See Section 6
Springboard Savings
$0.01 - $2000.00 0.35%/ 0.35% Average Daily Account Transfer and Withdrawal
Quarterly Quarterly Quarterly $25.00 See Section 6 N/A
$2000.01 and more 0.05%/ 0.05% Balance limitations apply. See Section 6
Account Transfer and Withdrawal
Non-Dividend Savings N/A N/A N/A N/A $10.00 See Section 5 N/A N/A
limitations apply. See Section 6
Average Daily Account Transfer and Withdrawal
Kids Savings 0.05%/ 0.05% Quarterly Quarterly Quarterly $5.00 — $5.00
Balance limitations apply. See Section 6
Average Daily Account Transfer and Withdrawal
Teen Savings 0.05%/ 0.05% Quarterly Quarterly Quarterly $5.00 — $5.00
Balance limitations apply. See Section 6
MY Savings Average Daily Account Transfer and Withdrawal
Quarterly Quarterly Quarterly $10.00 See Section 5 —
$0.01 - $1000.00 1.05%/ 1.06% Balance limitations apply. See Section 6
$1,000.01 and more 0.05%/ 0.05%
MY Whatever Savings Average Daily Account Transfer and Withdrawal
Quarterly Quarterly Quarterly $5.00 — —
$0.01 - $1000.00 1.05%/ 1.06% Balance limitations apply. See Section 6
$1,000.01 and more 0.05%/ 0.05%
Average Daily Account Transfer and Withdrawal
Christmas Club 0.05%/ 0.05% Quarterly Quarterly Quarterly $5.00 — $5.00
Balance limitations apply. See Section 6
Account Transfer limitations apply.
IRA Savings 0.15%/ 0.15% Daily Quarterly Quarterly $100.00 — $100.00 Daily Balance
See Section 6
Money Market
$150.00 - $999.99 0.00%/ 0.00%
$1,000.00 - $4,999.99 0.05%/ 0.05%
$5,000.00 - $9,999.99 0.05%/ 0.05% $1,000.00 Account Transfer and Withdrawal
Daily Monthly Monthly $1,000.00 $150.00 Daily Balance
$10,000.00 - $24,999.99 0.05%/ 0.05% limitations apply. See Section 6
$25,000.00 - $49,999.99 0.10%/ 0.10%
$50,000.00 - $99,999.99 0.10%/ 0.10%
$100,000.00 and more 0.15%/ 0.15%
Premium Checking
$0.00 - $2499.99 0.00%/ 0.00% Average Daily
Monthly Monthly Monthly $25.00 See Section 8, 9 $2500.00 See Section 8, 9
$2,500.00 - $9,999.99 0.05%/ 0.05% Balance
$10,000.00 and more 0.10%/ 0.10%
Simple Checking N/A N/A N/A N/A $25.00 See Section 8 N/A N/A See Section 8
Self Service Checking N/A N/A N/A N/A $25.00 See Section 8 N/A N/A See Section 8
The rates and fees appearing with this Schedule are accurate and effective for accounts as of this effective date.
The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure.
The Credit Union may offer other rates for these accounts from time to time.
RATE SCHEDULE
Annual Minimum
Dividend Rate Percentage Dividends Dividends Dividend Additional
Rate Type Opening Withdrawals Renewable
(%) Yield Compounded Credited Period Deposits
Deposit
(APY) %
Share Certificate Accounts (See Section 10)
3 Month 0.05% 0.05%
6 Month 0.10% 0.10%
12 Month 0.15% 0.15% Monthly Monthly Account’s Limited Allowed See Section 9 &
Fixed $500.00
18 Month 0.20% 0.20% See Section 3 See Section 3 Term See Section 6 See Section 6 10
Except as specifically described, the following 6. Transaction Limitations. For all accounts, you age 59 ½ and receives periodic payments, or the
disclosures apply to all accounts. All accounts may make withdrawals of credited dividends within the owner reaches 70 ½ and receives required minimum
described in this Truth-in-Savings Disclosure are current term without penalty. For all Certificates distributions.
share accounts. except Step Up Share Certificates, after your account 9. Renewal Policy. Most Certificate accounts will
1. Rate Information. The Annual Percentage Yield is opened we may from time to time permit additional automatically renew for another term upon maturity.
is a percentage rate that reflects the total amount of deposits at a minimum of $100.00. We will notify you Premium Share Certificates and Promotional Share
dividends to be paid on an account based on the when this feature is available. Certificates will not renew automatically. Refer to your
dividend rate and frequency of compounding for an 7. Maturity. Your account will mature as stated on Account Receipt or Maturity Notice for specifics. For
annual period. For Share Certificate, Jumbo Share this Rate and Fee Schedule or on your Account certificates that renew automatically, we will provide at
Certificate, IRA Certificate, and Jumbo IRA Certificate Receipt or Maturity Notice. least 30 days' notice prior to maturity. The notice will
accounts, the Dividend Rate and Annual Percentage 8. Early Withdrawal Penalty. We may impose a inform you of the terms, if any, under which we
Yield are fixed and will be in effect for the initial term penalty if you withdraw any of the principal before the propose to renew the certificate. You have a grace
of the account. The Step Up Certificates will have a maturity date. period of ten (10) calendar days after maturity in which
fixed rate for the term of the Certificate unless you Amount of Penalty. For all accounts, the amount of to draw funds in the account without being charged an
exercise a one time option to have the rate increased the early withdrawal penalty is based on the term of early withdrawal penalty.
to the current rate offered on the Step Up Certificate of 10. Premium and Promotional Share Certificates.
your account. The penalty schedule is as follows:
the same type and term. For accounts subject to For Premium Checking members, we offer premium
Terms of 12 months or less rates for new Share Certificate accounts. At maturity
dividend compounding, the Annual Percentage Yield 90 days' dividends
is based on an assumption that dividends will remain funds are automatically transferred to your Premium
on deposit until maturity. A withdrawal of dividends will Terms of more than 12 months through 24 months Checking. The applicable term and rate is based on
180 days' dividends market conditions at the time of the offer. We will offer
reduce earnings.
2. Dividend Period. For each account the dividend Terms of More than 24 months from time to time, Promotional Share Certificates
period is the account's term. The dividend period 360 days' dividends where the applicable term and rate is based on market
begins on the first day of the term and ends on the Premium Share Certificate – Regardless of term conditions at the time of the offer. At maturity funds
maturity date. are automatically transferred to your Savings.
360 days’ dividends 11. Nontransferable/Nonnegotiable. Your account is
3. Dividend Compounding and Crediting. The
How the Penalty Works. The penalty is calculated as
compounding and crediting frequency of dividends is nontransferable and nonnegotiable.
a forfeiture of part of the dividends that have been or
stated in the Rate Schedule. 12. Discontinued Share Certificates. If at any time
would be earned on the account. It applies whether or
4. Balance Information. The minimum balance we should discontinue a certificate product/term, your
not the dividends have been earned. In other words, if
requirements applicable to each account are set forth certificate balance and dividends earned will be
the account has not yet earned enough dividends or if
in the Rate Schedule. To open any account you must deposited to the primary share account under the
the dividends have already been paid, the penalty will
deposit or already have on deposit at least the par same member number.
be deducted from the principal.
value of one full share in a Savings account. The par Exceptions to Early Withdrawal Penalties. At our
value amount is stated in the Fee Schedule. Some option, we may pay the account before maturity
accounts may have additional minimum opening Insured by NCUA
without imposing an early withdrawal penalty under the
deposit requirements. All accounts use the Average
following circumstances:
Daily Balance method which calculates dividends by
(i) When an account owner dies or is determined
applying a periodic rate to the Average Daily Balance in
legally incompetent by a court or other body of
the account for the dividend period. The Average Daily
Balance is determined by adding the full amount of the competent jurisdiction
principal in the account for each day of the period and (ii) Where the account is an Individual Retirement
dividing that figure by the number of days in the period. Account (IRA) and any portion is paid within ten (10)
days after the establishment; or where the account is a
5. Accrual of Dividends. For all accounts,
Keogh Plan (Keogh) provided that the depositor forfeits
dividends will begin to accrue on non-cash deposits
an amount of at least equal to the simple dividends
(e.g. checks) on the business day you make the
earned in the amount withdrawn; or where the account
deposit to your account. is an IRA or Keogh, and the owner attains
CHRISTMAS CLUB & MY WHATEVER Returned Deposit Item $12.00 /item SHARE VALUE
Par value of one share $5.00
SAVINGS FEES Stop Payment $35.00 /request
Account Withdrawal $5.00 /withdrawal, if more Stop Payment Delete $12.00 /request Funds Availability Amounts in Effect July 1, 2020
than four (4) per year Prices may vary depending Amount We Must Make Available Large Deposit and New
Check Printing
SPRINGBOARD SAVINGS FEES upon style by the Next Business Day: Account Exceptions:
Foreign Item Deposit (U.S. $225.00 $5,525.00
$1.00/month; waived if at least $5.00 /item
Account Fee Dollars)
one deposit made per month.
$5.00/withdrawal, only one Foreign Item Deposit (other) $10.00 /item plus exchange
Account Withdrawal
withdrawal allowed per year. EFT FEES FOR YOUR CONVENIENCE
CHECKING FEES Foreign ATM (not owned by the $3.00 /withdrawal/transfer
$12.00 /month if qualifying 24/7 Services
Premium Checking Credit Union or in participating (waived for Premium Checking)
relationship is not met. network) scfederal.org
Waived for accounts opened Branches and ATMs
Bill Pay Registered Self- $5.00/month, waived if member
30 days or less
Simple Checking $8.00 /month if qualifying
registers for Zelle and completes Find locations at scfederal.org
Service Checking Non-Usage a Zelle transaction.
relationship is not met. Branch Hours
Waived for accounts opened OTHER SERVICE FEES Lobby
30 days or less $10.00/half hour, $10.00 Monday – Friday 9:00 a.m. to 5:30 p.m.
$3.00 /month if qualifying Account Reconciliation
Self Service Checking minimum charge Drive-Thru Windows
relationship is not met.
Account Research $11.00/half hour, $11.00 Monday – Thursday 8:30 a.m. to 5:30 p.m.
Waived for accounts opened
30 days or less minimum charge Friday 8:30 a.m. to 6:00 p.m.
Verification of Deposit $15.00 /request
MONEY MARKET FEES Contact Center Hours
Statement Copy $5.00 /copy Monday – Friday 8:00 a.m. to 6:00 p.m.
$10.00 /withdrawal, if more
Account Withdrawal Wire Transfer (Incoming) $15.00 /transfer Saturday: 8:00 a.m. to 1:00 p.m.
than six (6) per month
$10.00 /month, if daily balance Wire Transfer (Outgoing) $30.00 /transfer Charleston: 843-797-8300
Low Balance $10.00 /month after six (6)
requirement is not met Columbia: 803-738-8300
Dormant Account months ~ no fee for members
SAFE DEPOSIT BOX FEES under the age of 18 Georgetown: 843-545-8300
Annual Rental
Check Cashing $3.00 /check Nationwide: 800-845-0432
3 x 5 Box $45.00/year Email: contactcenter@scfederal.org
5 x 5 Box $60.00/year $10.00 /check waived for
Cashier’s Check Premium Checking Mailing Address
3 x 10 Box $65.00/year
Invalid ATM Deposit
South Carolina Federal Credit Union DG
5 x 10 Box $85.00/year $35.00 /deposit DG
P.O. Box 190012
10 x 10 Box $135.00/year Page 6 of 6
SCA001 10/04/21 RATEFEE N. Charleston, SC 29419-9012
ABA/Routing Number:
253278401
Employee Name DANIEL LEE GLOVER South Carolina Federal Account No 1337677
Daniel Glover
Employee's Signature Daniel Glover (Oct 15, 2021 13:01 EDT) Date Oct 15, 2021
1 Please consult your employer's payroll office to determine if they require use of their own proprietary direct deposit form in the first payroll
direct deposit. 2Your savings account number is located on your savings account card. 3If you do not have a check, your checking account
card will also have your MICR number.