Truth-In-Savings Disclosure

The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.






Interest Rate/ Annual Percentage Yield (APY)

Interest Compounded


Minimum Opening Deposit

Minimum Balance to Avoid a Service Fee

Minimum Balance to Earn the Stated APY

Balance Method to Calculate Interest

High-Growth Money Market

$0.00 to $9,999.99 0.10%/0.10%

$10,000.00 to $24,999.99 0.10%/0.10%

$25,000.00 to $99,999.99 0.20%/0.20%

$100,000.00 to $249,999.99 0.40%/0.40%

$250,000.00 or greater 0.40%/0.40%






Daily Balance


Money Market Special

$0.00 to $9,999.99 0.05%/0.05%

$10,000.00 or greater 2.72%/2.75%






Daily Balance



Except as specifically described, the following disclosures apply to all of the accounts.
  1. RATE INFORMATION - The annual percentage yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. The Money Market Special account's interest rate and annual percentage yield is Fixed for twelve (12) months. For the High Growth Money Market account, the interest rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors. High-Growth Money Market and Money Market Special accounts are tiered rate accounts. The balance ranges and corresponding interest rates and annual percentage yields applicable to each tier are
    disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the interest rate and annual percentage yield for that balance range will apply to the full balance of your account. For Money Market Special accounts, the rate will be in effect for a period of twelve (12) months, after that twelve (12) month period the account will be converted to a High- Growth Money Market account.

  2. INTEREST COMPOUNDING AND CREDITING - The compounding and crediting frequency applicable to each account is set forth in the Rate Schedule.

  3. ACCRUAL OF INTEREST - For all earning accounts, interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

  4. BALANCE INFORMATION - To open any account, you must deposit or already have on deposit the minimum required share(s) in a Regular Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule, interest is calculated by applying a daily periodic rate to the principal in the account each day.

  5. ACCOUNT LIMITATIONS - For Money Market Special accounts, the account must be opened with new money. New money is defined as money that is not currently on deposit with Advantis Credit Union. For Money Market Special accounts, on the first day of the month following twelve (12) months after image account opening the account will be converted to a High-Growth Money Market account at the prevailing rates.

  6. FEES FOR OVERDRAWING ACCOUNTS - Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Unions overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the members opt-in choice for overdraft protection and the Schedule of Fees and Charges.

  7. MEMBERSHIP - As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.
       Par Value of One Share $5.00
       Number of Shares Required 1

  8. RATES - The rates appearing with this Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please call the Credit Union.

  9. FEES-  See separate fee schedule for a listing of fees and charges applicable to your account(s).