Account Type:

Main Share Account

$5.00 minimum balance. $100.00 minimum balance required to earn dividends. Dividends are compounded monthly and paid monthly. Calendar month dividend period.

Account Type:

Christmas Club, Kids Share, Summer Pay Club, Save 4 It, Senior Saver Account, Special Kids Share and Imagine the Possibilities Share Account

$5.00 minimum balance. Interest will be earned on the full balance in the account. Interest is compounded monthly and paid monthly. Calendar month interest period.

*NOTE*The Christmas Club, Share Kids, Summer Pay Club, Save-4-It, Senior Year Saver Account, Special Kids Share and Imagine the Possibilities Share Accounts earn interest and have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time Christmas Club Accounts, all funds will be transferred to the member's draft account on or after November 1st of each year. If you make a withdrawal at ANY TIME before November 1st, ALL accrued interest will be forfeited and the account will be closed. Senior Year Saver Account will earn 5.84% APR/6.00% APY on the first $500 and the remainder at the applicable rate. Fund will become available August 1st of the student's anticipated senior year. If withdrawn before then, the member forfeits all dividends earned during the month of closure. Account will automatically be closed June 1 of the anticipated year of graduation and funds will be transferred to the main share account. Special Share Kids Accounts and Imagine the Possibilities Share Accounts earning 6%, 7%, or 10% APY will be paid at 5.84%, 6.78% & 9.57% APR, respectively, on the first $500. The remainder will be paid at the applicable rate.

Account Type:

Alumni Advantage Share Draft Account

$25.00 minimum balance to open account. Dividends are not earned on this account. Must be a current member of the FSU Alumni Association.

Account Type:

Booster Benefits Share Draft Account

$25.00 minimum balance to open account. Dividends are not earned on this account. Must be a current member of the Seminole Boosters.

Account Type:

Champions' Choice Share Draft Account**

Garnet Level***	Gold Level***	Platinum Level***
$25.00 minimum balance to open account. Dividends are not earned on this account.	$25.00 minimum balance to open account. Dividends are not earned on this account. Must have at least one qualifying product / service from two of the categories listed below.	$25.00 minimum balance to open account. Dividends are not earned on this account. Must have at least one qualifying product / service from each of the categories listed below.

Qualifying Product/Service Categories:

DEPOSIT SERVICES	LOAN SERVICES	ELECTRONIC SERVICES
Aggregate account balance of $1,500+	Credit Card	ACH (incoming)
Certificate of Deposit	Home Equity Line of Credit	Direct Deposit
IRA (with balance of $500)	Line of Credit	Electronic Statements
Money Mint	Mortgage	Virtuoso
	Signature Loan	Visa Debit Card
	Vehicle Loan

** Each of these account levels has features and benefits that can be changed from time to time at the sole discretion of the Credit Union without notice to you.
*** Your account level will be determined monthly based on the products / services you have had with us within the most recent 30 days.

Account Type:

Money Mint Market

$1,000 minimum balance to open and to earn dividends; maximum of six (6) withdrawals per month; Dividends are compounded daily and paid monthly. Calendar month dividend period.

Account Type:

6 Month CD

$500.00 minimum balance requirement. 30 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

12 Month CD

$1000.00 minimum balance requirement. 90 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

13 Month CD

$1000.00 minimum balance requirement. 90 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

18 Month CD

$1000.00 minimum balance requirement. 90 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

24 Month CD

$1000.00 minimum balance requirement. 90 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

36 Month CD

$1000.00 minimum balance requirement. 90 days interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

Account Type:

36 Month Adjustable Rate Certificate

$10,000.00 minimum balance requirement. 90 day interest penalty or the equivalent for early withdrawal. Interest is compounded daily and credited monthly.

***All Certificate (CD)Accounts except the 36 Month Adjustable CD are available for IRA Accounts. There is a grace period of 20 days following the maturity of any Share Certificate Account, except the 36 Month Adjustable CD. During this 20-day period, you may make withdrawals or additions to the Share Certificate without penalty. All 24 and 36 Month Certificates, except the 36 Month Adjustable CD, are available as step-up CDs. If our rates increase during the term of your CD, you may “step-up”, one time, to that new higher rate! You must request the higher rate. The original term of the CD will renew effective the step up date. Withdrawals within the first 6 days of the initial deposit will incur a 7 day simple interest penalty on the amount withdrawn.

Account Type:

I.R.A. Share Account

$5.00 minimum balance to open; $500.00 minimum to earn dividends. Dividends are compounded monthly and paid monthly. Calendar month dividend period.

Account Type:

Blended IRA Share Account*

$5.00 minimum balance to open; $500.00 minimum to earn dividends. Dividends are compounded monthly and paid monthly. Calendar month dividend period.

* Each Dividend Rate will apply only to that portion of the account balance within each balance range.

Fee Schedule

Fees effective as of January 20, 2010

Share Account Type	Amount	Explanation
All share accounts
Excess Withdrawal Fee	$1.00	per withdrawal for each withdrawal over three per month. There is a maximum of 6 REG D withdrawals per account per month.
Main Share Low Balance Fee	$2.00	per month if a $250.00 minimum aggregate balance is not maintained and/or the member does not have a current loan balance or maintain a checking account
Other Fees (applicable to all accounts)
IRA Termination Fee	$30.00	per termination
HELOC Termination Fee	$50.00	(per termination during the 5 year draw period)
Account Reconciliation fee	$15.00	per hour (1 hour minimum)
Account Research Fee	$15.00	per hour (1 hour minimum)
Statement Copy Fee	$2.00	per page
Deposited Item Return Fee	$5.00	per item
Items Sent for Collection Fee	$15.00	per item
Wire Transfer (incoming) Fee	$5.00	per request
Wire Transfer (outgoing) Fee	$15.00	per request
Certified Check Fee	$2.00	per check
Money Order Fee	$1.00	per item
Traveler Check Fee	$1.00	per $100.00
Legal Process Fee	$25.00	per process
Inactive Account Fee	$3.00	per month, after one (1) year and account under $1,000.00
Telephone Transfer Fee	$5.00	per transfer
Account Closure Fee	$5.00	if closed within ninety (90) days
Account Reopen Fee	$25.00	if reopened within ninety (90) days
Traveler Checks for 2 Fee	$1.50	per $100.00
Wire Transfer Fee - International	$30.00	per transfer
Returned Mail Fee	$5.00	per piece
Gift Cheques Fee	$3.00	per check
Visa Gift Card	$2.50	per card
Check Cashing Fee	$4.00	per item-includes giving cash back to member, unless member has the funds available in the account
Credit Card Replacement Fee	$10.00 $25.00 $50.00	for first replacement second replacement third replacement
Verification Letter Fee	$10.00	per item
Temporary Checks	$2.00	per pack (a pack includes 8 checks)
Share Draft Account Fees
Champions' Choice Draft Account Fee - Garnet Level	$5.00	per month (account level will be determined each month based on the past 30days usage of products / services)
Share Draft Business Acct Fee	$8.00*	per month
Bill Payer	$7.95	per month with unlimited transactions
Copy of Cleared Draft Fee	$3.00	per item if less than 1 year old (for items over 1 year old, add $15 .00 per hour research fee)
Stop payment Fee	$25.00	per request
Return Deposit Item Fee	$5.00	per item
NSF Fee	$30.00	per item
Overdraft Transfer Fee	$1.00	per item (fee increases to $30 per item if you exceed six (6) withdrawals per month, in accordance with RED D.)
Courtesy Pay Protection Fee	$30.00	per item
Debit Card Annual Fee	$5.00	annually (first year free)
Electronic Funds Transfer Acct Fees
Proprietary ATM Fee	No charge	when using an ATM owned by us or operating on the CU24 Network
Non-Proprietary ATM Fee**	$0.75	each
ATM Inquiry Fee	$0.75	each ** When you use an ATM not owned by us you may be charged a fee by the ATM operator and you may be charged a fee for a balance inquiry even if you don't complete a transaction
ATM Card	$5.00	per month (Fee is waived if member's total loan balances with the credit union exceeds $2,000.00 or the member has an active checking account or maintains an aggregate share balance greater than $250.00.
Overdraft Transfer Fee	$1.00	per item
Overdraft NSF Fee	$30.00	per item
ATM Replacement Card Fee	$5.00	each request
Credit Union Membership Fees
Membership Fee	$10.00	one time fee upon acceptance

*Applies only to accounts open prior to July 1, 2005