Rates and Terms:

*Annual Percentage Yields effective 11/01/2009 and subject to change without notice.

Your Credit Union Membership Share is $5.00. This is a deposit to establish membership and not a fee.

Rate Information: The Dividend Rate and Annual Percentage Yield on your accounts are set fourth above. For Regular Savings, Smart Start Savings, Regular Checking, Business Checking, Money Market Savings, Money Market Checking and IRA Savings, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors

Nature of Dividends: For Regular Savings, Smart Start Savings, Regular Checking, Choice Checking, Business Checking, Money Market Savings, Money Market Checking and IRA Savings, dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are the rates and yields for the last dividend period as set forth above.

Compounding and Crediting: Dividends will be compounded and credited as set forth above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

Accrual of Dividends:  Dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your accounts. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

Balance Information: The minimum balance required to open each account and earn the stated Annual Percentage Yield is set forth above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For Regular Savings, Smart Start Savings, Money Market Savings, Money Market Checking, Choice Checking, and IRA Savings dividend bearing accounts, dividends are calculated by using a Daily Balance method. Dividends are calculated by applying a periodic rate to the balance in the account each day. For Regular Checking dividend bearing accounts, the dividend is based on the average daily balance. For Business Checking dividend bearing accounts, the dividend is based on the low balance during the month. The account must maintain a minimum of $1,000 to earn dividends.

Certain fees may lower the Annual Percentage Yield when assessed to the accounts.

Regulation CC: Our policy is to make funds from your checking deposits available to you on the day we receive your deposit. At that time you can withdraw the funds in cash and we will use the funds to pay checks that you have written. If you make a deposit to our cash machines or night depository we will consider the day of deposit to be the following business day. If we have cause to question an item presented for deposit we may require the item be deposited to a savings account with a hold placed, until the funds are collected, or sent on collection with no credit given until the item is collected.

Regulation D: We are required to limit the following types of transfers from accounts to no more than six transfers per month: All preauthorized transfers to another account or to a third party (excluding transfers for payments or routine allocations of direct payroll deposit to your other accounts or family member accounts); and telephone transfers to another account or third party. If you exceed the transfer limitation your account may be subject to a suspension or closure.

Each multiple account owner is jointly and severally liable to the Credit Union for any returned item, overdraft, or unpaid amount regardless of who benefited from the transaction. Account holders agree that any overdraft will be subject to conditions of the Uniform Commercial Code and applicable state law.

Any questions or objections concerning any item shown on a periodic statement shall be waived unless made in writing to the Credit Union on or before the twentieth day following the day the statement is mailed. Your right to dispute a forged item drawn on your account and paid by the Credit Union is waived if there is any negligence on your part in the handling of access devices related to the account.

Regular Checking accounts must remain open all month to earn dividends for the month. If the stated minimum balance is not met for a day, dividends will not be earned for that day.

Business Checking accounts must remain open all month to earn dividends for the month. If the stated minimum balance is not met for the day, dividends will not be earned for the month.

To earn the Choice Checking Tier 1 APY on balances up to and including $20,000, and Tier 2 APY on balances over $20,000, you must meet the following requirements each Choice Checking Cycle, which begins on the lst day of each month: 1) Enroll and receive e-statements; 2) Make 12 debit card purchases and one of the following; 3) Set up Direct Deposit or Automatic Payment to/from the Choice Checking account or make one credit card purchase transaction. In addition to earning the Choice Checking rate when all requirements are met, you will receive automatic refunds on ATM surcharge fees nationwide up to $25 plus all ATM fees assessed by Fibre Federal Credit Union. If requirements are not me, you will not earn Tier 1 or Tier 2 APY on your checking balance and ATM fees are not refunded. If your daily balance is greater than $20,000 your APY will be that disclosed for Tier 2, depending on the balance of your account. The APY range for Tier 2 assumes a minimum balance of $20,000.01. By the 1st business day of each month, you will be sent an email notice advising if your Choice Checking Account has met Tier 1 and/or Tier 2, if applicable, requirements. A Choice Checking Account is limited to two per membership. Business Accounts are not eligible.

All certificates are subject to a penalty for early withdrawal as follows:

Funds must remain in the certificate for the full certificate term to obtain the Annual Percentage Yield quoted. The Annual Percentage Yield assumes dividends remain in the certificate until maturity. Early withdrawal will reduce the Annual Percentage Yield.

You may request dividends to be paid and transferred monthly to another account of yours. This will reduce the Annual Percentage Yield earned on the certificate.

The dividend rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. Current dividend rates and Annual Percentage Yields offered for new accounts may change weekly as determined by the Board of Directors. The dividend rate and Annual Percentage Yield are the prospective Rate and Yield for the applicable dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Dividends begin to accrue on the business day of deposit. The dividend period begins on the first calendar day and ends on the last calendar day each month.

Each certificate has a 10 day grace period from the date of maturity. During the grace period additional deposits can be made to the certificate without penalty. Grace period withdrawals will be completed effective the maturity date of the certificate.

All certificate terms, except Money Builder Certificate, are available for traditional and Roth IRA investments. The early withdrawal penalty is waived for traditional IRA certificate withdrawals if the member is over 59 1/2 years of age.

The Money Builder Certificate allows unlimited additional deposits of $25.00 or more during the term of the certificate.

Notice Under the  U.S.A. Patriot Act
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What this means to you:  When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.  We also may ask to see your driver’s license or other identifying objects.

This Rate schedule outlines the conditions and rates applicable to your accounts at Fibre Federal Credit Union as of the effective date 11/01/2009. The Credit Union may offer other accounts, or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth in this schedule and acknowledges that it is part of the Membership Account Agreement. If you have any questions or need current rate or fee information on your accounts, please contact us or call the Credit Union at (360) 423-8750 or write to Fibre Federal Credit Union, PO Box 1234, Longview, WA 98632.

Please refer to the Fibre Federal Account Fees & Terms document on this site for additional information.  Agreeing to this rate schedule constitutes agreement to the Account Fees & Terms document.

This credit union is federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, A U.S. Government Agency.

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