Truth-In-Savings Disclosure

The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.
RATE SCHEDULE
ACCOUNT TYPE	INTEREST				BALANCE REQUIREMENTS			ACCOUNT LIMITATIONS
	Interest Rate/ Annual Percentage Yield (APY)	Interest Compounded	Interest Credited	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee	Minimum Balance to Earn the Stated APY	Balance Method to Calculate  Interest
Regular Savings	$0.00 to $499.99 0.00%/0.00% $500.00 to $2,499.99 0.05%/0.05% $2,500.00 to $9,999.99 0.05%/0.05% $10,000.00 or greater 0.05%/0.05%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	-
New Member Savings	$0.00 to $499.99 3.93%/4.00% $500.00 to $2,499.99 3.93%/4.00% $2,500.00 to $9,999.99 3.93%/4.00% $10,000.00 or greater 3.93%4.00%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	-
Holiday & Tax Savings	$0.00 to $499.99 0.00%/0.00% $500.00 to $2,499.99 0.05%/0.05% $2,500.00 to $9,999.99 0.05%/0.05% $10,000.00 or greater 0.05%/0.05%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	-
Youth Savings	0.05%/0.05%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	-
Start Savings	$0.00 to $500.00 1.00%/1.00% $500.01 or greater 0.05%/0.05%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	-
High-Growth Money Market	$0.00 to $24,999.99 0.10%/0.10% $25,000.00 to $99,999.99 0.20%/0.20% $100,000.00 to $249,999.99 0.40%/0.40% $250,000.00 or greater 0.40%/0.40%	Monthly	Monthly	$2,500.00	-	-	Daily Balance	-
Cashback Checking	-	N/A - This account does not pay interest	N/A - This account does not pay interest	$25.00	-	-	-	-
Start Checking	-	N/A - This account does not pay interest	N/A - This account does not pay interest	$25.00	-	-	-	Account limitations apply.
Health Savings (HSA) Interest Checking	$0.00 to $2,499.99 0.05%/0.05% $2,500.00 to $9,999.99 0.05%/0.05% $10,000.00 or greater 0.05%/0.05%	Monthly	Monthly	-	-	-	Daily Balance	-
High-Growth IRA & ESA Savings	$0.00 to $24,999.99 0.05%/0.05% $25,000.00 to $49,999.99 0.10%/0.10% $50,000.00 to $99,999.99 0.10%/0.10% $100,000.00 or greater 0.10%/0.10%	Monthly	Monthly	$5.00	-	-	Daily Balance	Account transfer and withdrawal limitations apply.
Roth 457(b)	$0.00 to $24,999.99 0.05%/0.05% $25,000.00 to $49,999.99 0.15%/0.15% $50,000.00 to $99,999.99 0.20%/0.20% $100,000.00 or greater 0.20%/0.20%	Monthly	Monthly	-	-	-	Daily Balance	Account transfer and withdrawal limitations apply.
First-Time Homebuyers Savings - Oregon	$5.00 to $500.00 1.00%/1.00% $500.01 or greater 0.05%/0.05%	Monthly	Monthly	$5.00	-	$5.00	Daily Balance	Account limitations apply.
ACCOUNT DISCLOSURES

1. RATE INFORMATION - The annual percentage yield is a percentage rate that 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. For Regular Savings, New Member Savings, Holiday & Tax Savings, Youth Savings, Start Savings, High-Growth Money Market, Health Savings (HSA) Interest Checking, High-Growth IRA Savings, Roth 457(b), ESA and First-Time Homebuyers Savings - Oregon accounts, the interest rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. Regular Savings,
   
   New Member Savings, Holiday & Tax Savings, Start Savings, High-Growth Money Market, Health Savings Account (HSA) Interest Checking, High-Growth IRA Savings, Roth 457(b), ESA and First-Time Homebuyers Savings - Oregon accounts are tiered rate accounts. The balance ranges and corresponding interest rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a articular range is met, the interest rate and annual percentage yield for that balance range will apply to the full balance of your account.
   
   
2. CASHBACK CHECKING AND START CHECKING ACCOUNTS - To earn cashback you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cashback Checking or Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Cashback Checking and Start Checking accounts, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be  posted to your Cashback Checking or Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your Cashback Checking or Start Checking account.
   
   
3. INTEREST COMPOUNDING AND CREDITING - The compounding and crediting frequency applicable to each account is set forth in the Rate Schedule.
   
   
4. ACCRUAL OF INTEREST - For all earning accounts, interest will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.
   
   
5. BALANCE INFORMATION - To open any account, you must deposit or already have on deposit the minimum required share(s) in a Regular Savings or New Member Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Savings, New Member Savings, Holiday & Tax Savings, Youth Savings, Start Savings, and First-Time Homebuyers Savings - Oregon accounts, there is a minimum daily balance required to earn the annual percentage yield disclosed for the crediting period. If the minimum daily balance requirement is not met each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule interest is calculated by applying a daily periodic rate to the principal in the account each day.
   
   
6. ACCOUNT LIMITATIONS - For High-Growth IRA Savings, Roth 457(b) and ESA accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For New Member Savings, on the first day of the month following your account being open for 12 months, your account will convert to a Regular Savings account. For Holiday & Tax Savings accounts, the balance in your account, less $0.01, will be transferred to another account of yours on or after November 1 and the account will remain open. For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account with convert to a Cashback Checking account. For First- Time Homebuyers Savings Oregon accounts, yearly contribution limits are set by the Oregon Department of Revenue. Contributions can be made up to 10 years or until you purchase a house. The account will be converted to a regular savings account on the first day of the month following 10 years from the date you opened your account. The maximum balance limit for this account is $50,000.00. For Regular Savings, Holiday & Tax Savings, Youth Savings, Start Savings, High-Growth Money Market, Cashback Checking, and Health Savings (HSA) Interest Checking accounts, no account limitations apply.
   
   
7. FEES FOR OVERDRAWING ACCOUNTS - Fees for overdrawing your account may be imposed on each presentment of a check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Membership and Account Agreement and Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Schedule of Fees and Charges for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Unions overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the members opt-in choice for overdraft protection and the Schedule of Fees and Charges.
   
   
8. MEMBERSHIP As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below.
       Par Value of One Share          $5.00
       Number of Shares Required   1
   
   
9. RATES - The rates appearing with this Schedule are accurate as of the effective date indicated on this Truth-in- Savings Disclosure.If you have any questions or require current rate information on your accounts, please call the Credit Union.
   
   
10. FEES - See separate Schedule of Fees and Charges for a listing of fees and charges applicable to your account(s).