Account Disclosure Rate Supplement ... - OneAZ Credit Union

Account Disclosure Rate Supplement and Schedule of Fees and Charges

INSTRUCTIONS

This supplement is incorporated into, becomes a part of, and should be attached to Your Agreements and Disclosures.

New Account

EFFECTIVE DATE: 08/01/2022

The Annual Percentage Yields and corresponding Dividend Rates for each Account are shown below.

Request for Information

Account Type

BALANCE

VARIABLE RATE

ANNUAL PERCENTAGE YIELD

PROSPECTIVE DIVIDEND RATE

Share Savings(1)(2) Your Savings(1)(3) Savers Advantage Money Market(1)(2) Star High Yield Money Market Savings(1)(2) Premium Checking(1)(2) Tiered Money Market Savings(1)(3)

IRA Savings(1)(2) Club Savings(1)(2) Tiered Money Market Checking(1)(3)

Benefits Checking(1)(2)

$0.00 - $49.99 $50.00 & Greater

$0.00 - $1,000.00 $1,000.01 & Greater

$0.00 - $24,999.99 $25,000.00 & Greater

$0.00 - $74,999.99 $75,000.00 & Greater

$0.00 - $999.99 $1,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 & Greater

$0.00 - $999.99 $1,000.00 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 & Greater

$0.00 - $49.99 $50.00 & Greater

$0.00 - $49.99 $50.00 & Greater

$0.00 - $999.99 $1,000.00 - $4,999.99 $5,000.00 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 & Greater

$0.00 - $999.99 $1,000.00 & Greater

____0_._0_0_% ____0_._0_5_%

____1_._0_0_% ____0_._0_5_% - ____0_.0__5_%

____0_._0_5_% ____0_._2_0_%

____0_._0_5_% ____0_._2_5_%

____0_._0_0_% - ___0__.0_0__% ____0_.0__5_% - ___0__.0_5__% ____0_._0_8_% - ___0__.0_8__% ____0_._1_0_% - ___0__.1_0__%

____0_._0_5_% - ____0_.0__5_% ____0_.0__5_% - ____0_.0__5_% ____0_._1_0_% - ____0_.1__0_% ____0_._1_2_% - ____0_.1__2_% ____0_._1_5_% - ____0_.1__5_% ____0_._2_5_% - ____0_.2__5_% ____0_._3_0_% - ____0_.3__0_%

____0_._0_0_% ____0_._1_5_%

____0_._0_0_% ____0_._0_5_%

____0_._0_5_% - ____0_.0__5_% ____0_.0__5_% - ____0_.0__5_% ____0_._1_0_% - ____0_.1__0_% ____0_._1_2_% - ____0_.1__2_% ____0_._1_5_% - ____0_.1__5_% ____0_._2_5_% - ____0_.2__5_% ____0_._3_0_% - ____0_.3__0_%

____0_._0_0_% ____0_._0_5_%

____0_._0_0_% ____0_._0_5_%

____1_._0_0_% ____0_._0_5_% - ____0_.0__5_%

____0_._0_5_% ____0_._2_0_%

____0_._0_5_% ____0_._2_5_%

____0_._0_0_% - ___0__.0_0__% ____0_._0_5_% - ___0__.0_5__% ____0_._0_8_% - ___0__.0_8__% ____0_._1_0_% - ___0__.1_0__%

____0_._0_5_% - ___0__.0_5__% ____0_._0_5_% - ___0__.0_5__% ____0_._1_0_% - ___0__.1_0__% ____0_._1_2_% - ___0__.1_2__% ____0_._1_5_% - ___0__.1_5__% ____0_._2_5_% - ___0__.2_5__% ____0_._3_0_% - ___0__.3_0__%

____0_._0_0_% ____0_._1_5_%

____0_._0_0_% ____0_._0_5_%

____0_._0_5_% - ___0__.0_5__% ____0_._0_5_% - ___0__.0_5__% ____0_._1_0_% - ___0__.1_0__% ____0_._1_2_% - ___0__.1_2__% ____0_._1_5_% - ___0__.1_5__% ____0_._2_5_% - ___0__.2_5__% ____0_._3_0_% - ___0__.3_0__%

____0_._0_0_% ____0_._0_5_%

(1) For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of _____0_8_/_0_1_/_2_0_2_2_. These Dividend Rate(s) and Annual Percentage Yield(s)

shown above may change at any time as determined by Our Board of Directors. (2) All deposited funds earn the rate for the tier. (3) Only the funds that comprise each tier will earn the rate for that tier.

Copyright Oak Tree Business Systems, Inc., 2018-2022. All Rights Reserved.

Page 1 of 3

OTBS T44A ONAZ (6/22)

Account Type Term Share Certificate(4)

IRA Term Share Certificate(4)

MINIMUM BALANCE REQUIREMENTS

$____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_

$____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_ $____2_,_0_0_0_.0_0_

TERM

FIXED RATE

ANNUAL PERCENTAGE YIELD

3 Month 6 Month 12 Month 18 Month 24 Month 30 Month 36 Month 48 Month 60 Month

____0_._1_0_% ____0_._2_5_% ____0_._3_5_% ____0_._4_5_% ____0_._5_5_% ____0_._6_0_% ____0_._6_5_% ____0_._7_5_% ____0_._8_0_%

3 Month 6 Month 12 Month 18 Month 24 Month 30 Month 36 Month 48 Month 60 Month

____0_._1_0_% ____0_._2_5_% ____0_._3_5_% ____0_._4_5_% ____0_._5_5_% ____0_._6_0_% ____0_._6_5_% ____0_._7_5_% ____0_._8_0_%

PROSPECTIVE DIVIDEND RATE

____0_._1_0_% ____0_._2_5_% ____0_._3_5_% ____0_._4_5_% ____0_._5_5_% ____0_._6_0_% ____0_._6_5_% ____0_._7_5_% ____0_._8_0_%

____0_._1_0_% ____0_._2_5_% ____0_._3_5_% ____0_._4_5_% ____0_._5_5_% ____0_._6_0_% ____0_._6_5_% ____0_._7_5_% ____0_._8_0_%

(4) For the purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of the effective date shown herein. For more current rates, please call (844) 663-2928.

Schedule of Fees and Charges

TELLER

Monthly Maintenance Fees Benefits Checking ......................................................................................................................................... Premium Checking ....................................................................................................................................... Your Savings Account (waived if you consent to receive your statements electronically).............................................. Money Market Minimum Balance Fee...............................................................................................................

$5.00 per month $12.00 per month $5.00 per month $10.00 per month

Debit Card Fees Non-Network ATM Fee (5th & subsequent) .................................................................................................................... $2.00 per transaction

Overdraft & Returned Item Fees Courtesy Pay ? Paid Item .............................................................................................................................. Non-Sufficient Funds (NSF)/ Uncollected Fund Fee ............................................................................................. Overdraft Source ? Transfer Fee ..................................................................................................................... Returned Deposited Item ...............................................................................................................................

$35.00 per item $35.00 per item $5.00 per item $15.00 per item

Inactivity Fee Checking Accounts (after no activity for 12 months)............................................................................................. Savings Accounts (after no activity for 12 months, no products other than a savings account, and for account holders 18 years of age or older with a balance less than $500.00)..........................................................................................

$7.00 per month $7.00 per month

Transfer Fee Transfers from Savings (7th & subsequent each month)......................................................................................... $7.00 each

Copyright Oak Tree Business Systems, Inc., 2018-2022. All Rights Reserved.

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OTBS T44A ONAZ (6/22)

Schedule of Fees and Charges (continued)

Other Service Fees Abandoned Property ..................................................................................................................................... Account Reconciliation (1/4 hour minimum) ........................................................................................................ Account Research (1/4 hour minimum) .............................................................................................................. Check Printing ............................................................................................................................................. Collection (domestic) .................................................................................................................................... Collection (foreign) ........................................................................................................................................ Deposit Verification ....................................................................................................................................... Legal Action (levy, garnishment, etc.) ................................................................................................................ Official Check .............................................................................................................................................. Bad Address ............................................................................................................................................... Pay-by-Phone ............................................................................................................................................. Coinstar? Fee ............................................................................................................................................. Outgoing Domestic Wire Transfer .................................................................................................................... Outgoing Foreign Wire Transfer ....................................................................................................................... Incoming Domestic Wire Transfer .................................................................................................................... Incoming Foreign Wire Transfer (U.S. currency) .................................................................................................. Stop Payment Fee (per item or range of checks) ................................................................................................. Large Amount (currency) Withdrawal Fee (based on aggregate withdrawal amount per day)

$25,000.00 - $49,999.99........................................................................................................................... $50,000.00 - $99,999.99........................................................................................................................... $100,000.00 & Greater.............................................................................................................................

$100.00 $15.00 per hour $15.00 per hour Varies $7.50 per item Varies $10.00 each $100.00 $5.00 per item $10.00 per month $20.00 per payment 5.00% of the total(2) $20.00 per wire $35.00 per wire $10.00 per wire $10.00 per wire $25.00

1.25% of amount withdrawn(1) 1.50% of amount withdrawn(1) $1,500.00

Online Banking Fees Bill Payment (non-sufficient funds) .................................................................................................................... $35.00 per item

Non-Member Fees Check Cashing Fee ....................................................................................................................................... $5.00 per item

(1) Fee percentage based on total amount exceeding $25,000.00 withdrawn. (2) Rounded up to the nearest penny.

Copyright Oak Tree Business Systems, Inc., 2018-2022. All Rights Reserved.

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OTBS T44A ONAZ (6/22)

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