ANNUAL INTEREST PERCENTAGE YIELD (APY)

For questions or inquiries, contact:

PO Box 1865 Idaho Falls, Idaho 83403 (800) 727-9961

This credit union is federally insured by the National Credit Union Administration

BUSINESS RATES AND FEES SCHEDULE

SAVINGS, CHECKING, & MONEY MARKET ACCOUNTS

Account Type Business Savings

INTEREST RATE

0.05%

ANNUAL PERCENTAGE

YIELD (APY)

0.05%

Business Checking

Business Money Market: $0.00 - $2,499.99 $2,500 - $9,999.99

$10,000 - $24,999.99 $25,000 and up

N/A

0.05% 0.10% 0.15% 0.20%

N/A

0.05% 0.10% 0.15% 0.20%

Rate is Fixed or

Interest

Variable

Compounded

Fixed N/A

Quarterly N/A

Interest Credited

Quarterly N/A

Fixed

Monthly

Monthly

EFFECTIVE DATE: 05/01/2019

Minimum Opening Deposit

$5.00 $25.00

Minimum Balance to Avoid a Service

Fee

None

N/A

Minimum Balance to Earn the Stated

APY

None

N/A

None

None

$0.00 $2,500 $10,000 $25,000

1. RATE INFORMATION. The Annual Percentage Yield (APY) 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 interest rate and Annual Percentage Yield (APY) may change at any time as determined by our Board of Directors. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.

2. COMPOUNDING AND CREDITING. The frequency with which interest will be compounded and credited and is set forth above. The "Month or Quarter" begins on the first calendar day of the month or quarter and ends on the last calendar day of the month or quarter.

3. MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements for each account are set forth above. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account. The Par value of a share in this credit union is disclosed on the Fee Schedule.

4. BALANCE COMPUTATION METHOD. We use the Average Daily Balance to calculate interest on your account. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

5. ACCRUAL OF INTEREST. Interest will begin to accrue on the business day that you deposit noncash items (e.g. checks) to your account. If you close your account before interest is paid, you will receive the accrued interest.

6. TRANSACTION LIMITATIONS. For all accounts except Business Checking accounts: During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to a fee or may be closed.

FPDF FI19786 4-2018

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Copyright 2006 Securian Financial Group, Inc. All rights reserved.

For questions or inquiries, contact:

PO Box 1865 Idaho Falls, Idaho 83403 (800) 727-9961

This credit union is federally insured by the National Credit Union Administration

CERTIFICATE ACCOUNTS

BUSINESS RATES AND FEES SCHEDULE

EFFECTIVE DATE: 05/01/2019

Account Type

INTEREST ANNUAL PERCENTAGE Rate is Fixed or Interest

RATE

YIELD (APY)

Variable

Compounded

Interest Credited

Minimum Opening Deposit

Additional Deposits

6 Month Certificate

0.80%

Business Certificate 1 Year 2 Year 3 Year 4 Year 5 Year

2.30% 2.45% 2.25% 2.25% 2.90%

0.80%

2.32% 2.47% 2.27% 2.27% 2.93%

Fixed

None

At Maturity

$500.00

Not Allowed

Fixed

Quarterly

Quarterly

$500.00

Not Allowed

Early Withdrawal Penalty?

90 Days Interest

Renewals

Automatic with 10 day grace period

180 Days Interest

Automatic with 10 day grace period

1. RATE INFORMATION. The Annual Percentage Yield (APY) 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 interest rate and Annual Percentage Yield (APY) are fixed and will be in effect for the initial term of the account. The rates for Renewals shall be those rates in effect at the time of renewal. The APY stated is based on the assumption that interest will remain on deposit until maturity; a withdrawal of interest will reduce earnings.

2. COMPOUNDING AND CREDITING. The frequency with which interest will be compounded and credited is set forth above. The "Quarter" begins on the first calendar day of the quarter and ends on the last calendar day of the quarter.

3. MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements for each account are set forth above. Minimum balance requirements may include a minimum opening deposit, the minimum balance that you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield for that account. The Par value of a share in this credit union is disclosed on the Fee Schedule.

4. BALANCE COMPUTATION METHOD. We use the Average Daily Balance to calculate interest on your account. The Average Daily Balance Method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.

5. ACCRUAL OF INTEREST. Interest will begin to accrue on the business day that you deposit noncash items (e.g. checks) to your account. If you close your account before interest is paid, you will receive the accrued interest.

6. MATURITY.Your account will mature according to the term indicated above, and as indicated on your account summary or statement.

7. EARLY WITHDRAWAL; PENALTIES. We will impose a penalty if you withdraw any of the principal in your account before the maturity date. The amount of the penalty is disclosed above. The penalty is calculated as a forfeiture of part of the interest that has been or would have been earned on the account, and applies whether or not the interest has been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (1) If an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction; (2) If the account is an IRA Account and any portion is paid within seven days after the establishment of the account; or (3) if the account is an IRA and the owner attains the age of 59 1/2 or becomes disabled.

8. RENEWAL POLICY. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

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For questions or inquiries, contact:

PO Box 1865 Idaho Falls, Idaho 83403 (800) 727-9961

This credit union is federally insured by the National Credit Union Administration

BUSINESS RATES AND FEES SCHEDULE

FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services, and/or transactions, as of _0_5_/0_1_/_2_0_1_9_____:

FEE SCHEDULE

Savings and Checking Accounts Member Share Purchase1 Transaction Fee* (Over 200 Items monthly) Non-Sufficient Funds (NSF) Return Fee (all debit types) Last Line of Defense-Courtesy Pay (all debit types)2 Self Defense- Overdraft Transfer (excluding Personal Line of Credit) Negotiated Item- Returned Unpaid Stop-Payment Fee (single or series) Stop-Payment Fee- ACH Item (Return/stop/revoke) Check Copy Fee Statement Copy Fee Check Order

Online and Mobile Banking Stop Payment Fee (bill pay) Popmoney Next Day Send (if applicable) eBranch Online Banking/ mobile app eBranch External Transfers Fraud Investigation eBranch External Transfers Inquiry/Research eBranch External Transfers Inquiry/Research Home Banking Usage Fee (subject to transaction Fee*) Online-Bill Pay Usage Fee (subject to transaction Fee*)

$5.00 one-time $0.25 per item $30.00 per item $30.00 per item $2.00 per item

$6.00 per item $30.00 per item $30.00 per item $2.00 per item $3.00 per item Varies

$30.00 per item $1.00 each Free $200.00 per incident $50.00 per incident $1.00 each Free Free

ATM and Debit Card Transactions:

ATM Transactions on Non-EICU Owned ATMs (Free on EICU owned ATMs )3 Foreign Currency Transaction Fee (% of amount Converted to U.S. Dollars) Replacement Card Rush Card

$2.00 per transaction 1%

$10.00 per card $50.00 per card

ACH, Wire Transfers, Negotiable Items ACH Return ACH Overdraft Wire Transfer - Outgoing - Domestic

Wire Transfer - Outgoing - International

Wire Transfer - all Incoming Money Order

Cashier's Check

Miscellaneous Fees and Charges: New Account Fee Dormancy Fee (charged after 12 months of inactivity) Safe Deposit Box Lease Coin Fee (applicable to all incoming/outgoing coin) Check Cashing Fee (if check exceeds account balance) Non-member Check Cashing Fee Garnishment/Levy/Subpoena Record Searches/Research Garnishment/Levy/Subpoena Research Fee (charged to issuing firm) Account Reconciliation Returned Mail/Address Early Close Fee (account closed within 180 days of opening)

$30.00 $30.00 $20.00 per item $40.00 per item $10.00 per item $3.00 per item $3.00 per item

$5.00 per account $5.00 per month Varies by size 3% in excess of $20 $5.00 per check $5.00 per check $25.00 $25.00 per hour ($25.00 minimum) $20.00 per hour ($20.00 minimum)

$25.00 per hour ($25.00 minimum) $7.00 $5.00

1 Primary Share Owner/entity is entitled to one vote 2 ATM/Point-of-sale/Debit Card Courtesy Pay requires member Opt-in 3 Transactions may be subject to ATM owners surcharge fee as disclosed at the time of transaction. Fee refunds may be applied in bulk at the end of the billing cycle rather than at the time of transaction. *Items include all account debits and credits, electronic and in person

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