Your deposits with Advantage Credit Union are federally insured up to at least $250,000 with the National Credit Union Share Insurance Fund. For more information on federal share insurance, go to www.ncua.gov or call the Credit Union at 800-824-2575.

Share Accounts

Prime Share Account

Our Prime Share Account offers a competitive interest rate and life savings insurance. It can be accessed through ATM, Touch Tone Teller or Personal Branch (home banking).

Minimum Balance To Open:	$25
Minimum Daily Balance:	$25
Interest Rate:	0.50% up to $2,000 1.00% over $2,000
Annual Percentage Yield:	0.51% up to $2,000 1.01% over $2,000

Dividends are calculated on the daily balance method and paid monthly at rates set by the board of directors, based on credit union earnings.

Golden Share Account

Our Golden Share Account does not offer a life savings death benefit, but it does pay 1/2% higher dividend on the first $2,000 than the prime share account. It can be accessed through ATM, Touch Tone Teller or Personal Branch (home banking).

Minimum Balance To Open:	None
Interest Rate:	1.00%
Annual Percentage Yield:	1.01%

Dividends are calculated on the daily balance method and paid monthly at rates set by the board of directors, based on credit union earnings.

Christmas Club Account

A Christmas Club account may be opened anytime during the year and deposits may be made up to October 31. The entire account balance will be paid out in November.

Minimum Balance:	None
Interest Rate:	1.00%
Annual Percentage Yield:	1.01%

Vacation Club Account

A Vacation Club Account may be opened anytime during the year and deposits may be made up to April 30. The entire account balance will be paid out in May. Vacation membership clubs payments and member fees are processed with EZ Payments.

Minimum Balance:	None
Interest Rate:	1.00%
Annual Percentage Yield:	1.01%

Other Accounts

Share Draft / Checking

Advantage Credit Union has two easy options for Share Draft Checking accounts: Our free & easy Advantage Classic account or our Advantage Plus which earns interest.

1) Advantage Classic: Simply open a share draft account with a small opening balance of $20. After that, there is no minimum balance requirement, no monthly or per check service fee. Advantage Classic does not earn dividends/interest.

2) Advantage Plus: Earn monthly interest on this checking account with a minimum opening deposit of $2,000. Minimum balance to avoid a $5.00 monthly fee is $1,000.

Extra Rewards Option: Members may elect to pledge $500 in their savings in order to have extra rewards with their free checking. Rewards benefits include:

Free Teller/Cashier Checks
Free photocopies (up to 10 copies)
Free ATIRA gift card (up to 2 per year)

ADVANTAGE CLASSIC:

Minimum Opening Deposit	$20.00
Minimum Monthly Balance	none

ADVANTAGE PLUS:

Minimum Opening Deposit	$2,000.00
Minimum Balance to Maintain to avoid $5.00 monthly fee	$1,000.00
Minimum Balance to Earn the Stated A.P.Y.	$2,000.00

	Prospective Rate	Prospective APY*
$2,000-4,999	0.40%	0.40%
$5,000-14,999	0.50%	0.50%
$15,000-29,999	0.60%	0.60%
$30,000-49,999	0.70%	0.70%
$50,000 +	0.90%	0.90%

* Annual Percentage Yield
Rates and Annual Percentage Yield are determined by which of the four tiers your average daily balance falls in. Once a particular balance range is met, the dividend rate and APY for that balance range will apply to the full balance of your account.

*Credit Union Membership is required in order to open any share draft/checking account.

First 50 duplicate checks are free.

Below is a review of related and miscellaneous fees.

SHARE DRAFT RELATED FEES:

Stop Payments	$10 plus tax
Share draft copies	$2.50 plus tax (FREE through home banking)
NSF Return Fees	$23.00 per item
NSF Paid Fees	$23.00 per item
Overdraft Transfers	$10 per transfer (transferred in increments of $50 when available

MISCELLANEOUS FEES & CHARGES:

Money Orders	$2.00 Each
Teller Checks	$2.00 Each †
Cashiers Checks	$5.00 Each †
ATM Card	$1.00 plus tax/month ‡
ATM Transaction Fees	Unlimited at Advantage Credit Union ATMs.
	10 free at SHAZAM ATMs, $.60 plus tax per transaction over 10
	$1.00 plus tax per transaction at Non-SHAZAM ATMs in U.S.
	$2.50 plus tax per transaction at Non-SHAZAM ATMs outside of U.S.
Visa Check Card	No monthly fee; Visa transactions FREE. ATM transaction fees same as above
Incoming Wire Transfer	$2.00
Wires Outgoing	$12.00 Domestic; International wires will vary.
ACH Stop Payment	$10 plus tax
Account Reconciliation	$16.00 per hour
Photocopies	$.10 per copy † (up to 10 free with Share Draft Plus )
Account Research	$20 per hour
Returned Cashed or Deposited Checks	$15.00
Fax Usage	$1.00 per page
Account Closure Fee	$25.00 if within first 90 days of opening account
Voice Response	FREE
Home Banking	FREE

† Fee waived with Extra Rewards Option.
‡ Monthly fee can be avoided by replacing with Visa Check Card.

Individual Retirement Account (IRA)

	Minimum Balance	Interest Rate	APY
Traditional	None	1.69%	1.70%

Dividends are calculated on the daily balance method and paid monthly at rates set by the board of directors, based on credit union earnings. Early withdrawal penalty may apply.

	Minimum Balance	Interest Rate	APY
ROTH	$100	1.75%	1.76%
COVERDELL ED	$100	1.14%	1.15%

Dividends will be compounded and credited monthly at rates set by the board of directors based on credit earnings. Early withdrawal penalty may apply.

For more information, call 641-792-5660.

Term Share Account

Term Share Accounts offer higher yields with restricted availability to your funds.

Term	Interest Rate	APY
6 month	0.99%	1.00%
12 month	1.04%	1.05%
24 month	1.14%	1.15%
36 month	1.24%	1.25%

The minimum opening balance for all term share accounts is $1,000.

Dividends are paid to Term Share Account balances monthly. Term Share accounts are not the same coverage as Term Life Insurance.

Penalties will be assessed for early withdrawal.

Money Market Account

Minimum Opening Deposit	$5,000.00
Minimum Balance to Earn the Stated A.P.Y.	$5,000.00

	Prospective Rate	Prospective APY*
$5,000-24,999	1.00%	1.01%
$25,000-49,999	1.04%	1.05%
$50,000-99,999	1.09%	1.10%
$100,000+	1.14%	1.15%

Rates and Annual Percentage Yield are determined by which of the four tiers your average daily balance falls in. Once a particular balance range is met, the dividend rate and APY for that balance range will apply to the full balance of your account.

Compounding and Crediting

Dividends will be compounded and credited monthly. The dividend period for this account is monthly beginning on the first day of each month and ending on the last day of each month.