Internationalites Federal Credit Union

Savings                                  Rate                APY

$30.00-$200.99                0.00%          0.00%

$201.00-$4999.99           0.05%           0 .05%

$5000.00-$9999.99        0.15%        0.15%

$10000.00 and up            0.25%        0.25%

Rates as of 01/01/2017

Dividend rates are reviewed and set quarterly

Certificates      Minimum        Rate          APY

6 Month            $1,000.00       0.50%      .50%

12 Month          $1,000.00       0.60%        .60%

12 month          $20,000.00    0.75%        .75%

Rates as of 01/01/2017

Christmas Club           Rate                  APY

$30.00 and up             0.60%   0.60  %

Schedule of Fees

Opening of Membership          $30.00

Share Draft Fees:

Monthly service Charge                $5.00 per month

                      (for balances less than $500.00)

Insufficient Funds                           $25.00 per item

Stop Payment Order                      $15.00 per check

Check Copy                                       $2.50 per check

Overdraft Protection                      $10.00

Dormant Savings Account          $5.00 per month

Deposited Item Return Fee           $25.00 per item

Replacement Card                          $5.00 per card

Replacement PIN                             $5.00 per PIN

If an account is closed within 90 days of opening, a $15.00 early closing fee will be charged.