REGULAR SAVINGS

OVERVIEW

A low-cost, dividend-earning savings account that can be accessed via Online Account Access, telephone, ATM, in each of our four offices, and at credit union shared branching outlets in over 2700 locations throughout the United States.

RATES

See the our dividends & rates online. Please be aware that fees may reduce earnings.

MEMBERSHIP

One becomes a "member" of Latah Federal Credit Union by maintaining a balance of $25 in a Regular Savings Account. In order to use any of the credit union's services - including lending, checking, and savings - one must be a member.

Please contact us for more information on how to join our credit union and/or to open an account.

FEES

- One-time account opening fee of $5.
- No monthly service fees.
- Five free ATM transactions per month (then $1 each).
- Some banks may charge for the use of their ATM's.
- A fee of $25 is charged for reopening membership accounts within 90 - days of closure.

MINIMUM BALANCE

$25 to open account.
$25 to earn dividends.

A member who has a checking account must keep $100 in a Regular Savings Account. This $100 earns dividends, but is not available for withdrawal or overdraft protection. Aggregate deposits in a member's accounts at this Credit Union are insured to at least $100,000 by NCUA, an agency of the federal government.

TERMS GOVERNING ACCOUNT

The terms governing this account are defined in the signature card, Loanliner, Rate and Fee Schedule, Electronic Funds and Transfer Policy, and this document.

By opening an account and signing a signature card, the account holder agrees to the terms governing the account and to any amendments thereof.

Latah Federal Credit Union reserves the right to make amendments to these or any subsequent terms governing the account by mailing notice of such amendments to the account holder at least thirty days prior to the effective date of the amendments.

BUSINESS ACCOUNTS

Latah Federal Credit Union offers accounts for corporations, LLCs, non-profit organizations and other club accounts for individuals and groups who are within our membership area. Additional requirements may be necessary for these accounts.

INTERNET

Online Account Access is provided FREE of charge. Obtain your balance, view a statement or check, see if a deposit has cleared, or transfer funds. Balances are updated twice each business day.

ATM

A VISA Debit Card may be used to access this account at ATM's.

OTHER SERVICES

Other services include direct deposit of payroll checks and automatic payroll deduction.

MORE INFORMATION

You may obtain complete information, including a written account disclosure, by e-mailing any of our offices.