SCHEDULE OF DIVIDENDS, SERVICE CHARGES AND FEES

This Rate Schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as part of your account agreement with Chabot Federal Credit Union. For purposes of this disclosure, the dividend rate and annual percentage yield were accurate as of the date shown below. Please call 925.828.1320 for further informa­tion on applicable fees and terms or to obtain current rate information.


Account Name: Shares

Rate Type Amount Dividend Rate Annual Percentage Maturity Date
Variable $0 – $999 0.10% 0.10% N/A
Variable $1,000 – $2,499 0.20% 0.20% N/A
Variable $2,500 – $4,999 0.30% 0.30% N/A
Variable $5,000 – Up 0.40% 0.40% N/A

Account Name: IRA Shares / Minimum required to open and earn dividends is $100

Rate Type Amount Dividend Rate Annual Percentage Maturity Date
Variable $10,000 – Up 0.45% 0.45% N/A

Account Name: IRA Cert, Roth, RIO Roth, Educational

Rate Type Amount Dividend Rate Annual Percentage Maturity Date
Fixed $5,000 0.60% 0.60% 12 MONTHS
Fixed $5,000 0.70% 0.70% 24 MONTHS

Account Name: Shares Draft / Minimum required to open and earn dividends is $100

Rate Type Amount Dividend Rate Annual Percentage Maturity Date
Variable $100,000 – Up 0.05% 0.05% N/A

Account Name: Share & Traditional IRA Certificates / Minimum $100 Share balance required to maintain this account.

Rate Type Amount Dividend Rate Annual Percentage Maturity Date
Fixed $5,000 0.45% 0.45% 3 MONTHS
Fixed $5,000 0.50% 0.50% 6 MONTHS
Fixed $5,000 0.55% 0.55% 9 MONTHS
Fixed $5,000 0.60% 0.60% 12 MONTHS
Fixed $5,000 0.65% 0.65% 18 MONTHS
Fixed $5,000 0.70% 0.70% 24 MONTHS
Fixed $5,000 0.80% 0.80% 36 MONTHS
Fixed $5,000 0.90% 0.90% 48 MONTHS
Fixed $5,000 1.00% 1.00% 60 MONTHS

Members’ Share Accounts are insured by. the NCUA up to $250,000 and IRA. Share Accounts insured separately up to $250,000.


FEE SCHEDULE

Service Fee
Share Draft Checking – none for first 20 drafts/mo.-over 20 – $.10/eaFee waived if member maintains $1,500 minimum balance. $.10/ea
Share Draft Check Printing As Billed
Returned Draft/ACH (NSF) Overdrawn $10.00
Returned Deposit $10.00
Stop Payment $6.00
Statement Photocopy $1.00
Draft Photocopies (2 free p/statement) $3.00
Cashier’s Check $2.00
Overdraft Transfer (Draft/ ACH)
No more than 6 automatic &/or phone transfers per month allowed. Written authorization required for each transfer over 6 per month.
$2.00
Overdraft requiring special handling (Draft/ACH)
For example, more than 6 automatic transfers requiring written authorization, telephone call notification, temporary overdraft allowed, etc.
$10.00
Foreign Check Collection Fee-Remedial $10.00/ca
Foreign Check $200+ Collection Fee-Immediate $10.00/ca
Statement Reconciliation & Research $15.00/hr
Wire Transfer-Domestic $15.00
Wire Transfer-International $35.00

VISA CREDIT CARD

Replacement card $25.00
Replacement card-rush order $100.00
Per Transaction Fees
Deposits (where available) NONE
Cash Withdrawals NONE
Transfer/Denial/Inquiry/Point of Sale NONE

VISA CREDIT CARD

Replacement card $25.00
Replacement card-rush order $35.00

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