Common use of Bylaw Requirements Clause in Contracts

Bylaw Requirements. You must complete payment of a membership share in order to maintain accounts at the Credit Union. The par value of a regular share in the Xxxxxxxx-Xxxxxx Federal Credit Union is $1. A member who fails to complete payment of one share within one month of his admission to membership, or within one month from the increase in the par value of shares, or a member who reduces his share balance below the par value of one share and does not increase the balance to at least the par value of one share within one month of the reduction may be terminated from membership. Note: There is a $1 minimum balance requirement in your primary savings accounts to be maintained as long as the account remains open. National Credit Union Share Insurance Fund Member accounts in the Xxxxxxxx-Xxxxxx Federal Credit Union are federally insured by the National Credit Union Share Insurance Fund. Truth in Savings Rate Schedule The rates contained on our website (xxx.xxxxx.xxx) are accurate as of today’s date or call the Member Service Center toll-free at 1-800-580- 3300. Account Dividend Rate1 Dividend Rate Annual Percentage Yield (APY)1 Minimum Balance Requirements Savings Account 0.00% 0.00% $1 to open2 Checking Account (Including Really Free Checking and Business Checking) 0.00% 0.00% None RBFCU Classic Money Market Account $2,500 to $24,999.99 $25,000 to $74,999.99 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $2,500 to open and earn the APY3 Tiered-rate account4 RBFCU Choice Money Market Account $2,500 to open and earn the APY3 $2,500 to $10,000 0.00% 0.00% Blended tiered-rate account5 $10,000.01 to $25,000 0.00% 0.00% Limit one account per primary owner6 $25,000.01 and greater 0.00% 0.00% $2,500 minimum balance requirement7 IRA Savings $5 to $24,999.99 $25,000 to $74,999.99 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% $1 to open and earn the APY Tiered-rate account4 Certificates and IRA Certificates (Including Traditional and Xxxx XXX Certificates) 6 to 11 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 12 to 23 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 24 to 35 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 36 to 47 months $1,000 to $4,999.99 $5,000 to $19,999.99 0.00% 0.00% 0.00% 0.00% $1,000 to open and earn the APY $20,000 to $74,999.99 $75,000 and greater 0.00% 0.00% 0.00% 0.00% Tiered-rate account4 48 to 59 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 60 to 71 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 72 to 83 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 84 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 1For all Accounts except Certificate Accounts, the rates above reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the rates and APYs are accurate as of today. Rates are subject to change at any time. Please refer to the Truth in Savings Account Disclosure for more information. 2Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to keep the Account open, maintain your RBFCU membership and receive Credit Union services. 3Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to continue earning the current Money Market products dividend rate. If at any time your daily balance for the period falls below $2,500, your account will automatically revert to the current Savings account dividend rate. 4You must maintain the disclosed minimum daily balance in your Account to obtain the Annual Percentage Yield. The dividend rate corresponding to the average daily balance of the Account for the period will be paid on the entire balance of the Account. 5Each tier of your total RBFCU Choice Money Market balance adds up to a blended Annual Percentage Yield (APY) 6RBFCU Choice Money Market accounts are limited to one per member as the primary owner. A member may be joint on multiple RBFCU Choice Money Market accounts. 7RBFCU Choice Money Market account requires a minimum balance of $2,500. Earn the first tier on the entire balance up to $10,000 when the minimum balance is maintained. Truth in Savings Fee Schedule An important benefit of membership is most fees and charges are lower than other financial institutions. Compare us and you will find many RBFCU services are free! The following fees may be assessed in connection with your accounts without advance notice to you.

Bylaw Requirements. You must complete payment of a membership share in order to maintain accounts at the Credit Union. The par value of a regular share in the Xxxxxxxx-Xxxxxx Federal Credit Union is $1. A member who fails to complete payment of one share within one month of his admission to membership, or within one month from the increase in the par value of shares, or a member who reduces his share balance below the par value of one share and does not increase the balance to at least the par value of one share within one month of the reduction may be terminated from membership. Note: There is a $1 minimum balance requirement in your primary savings accounts to be maintained as long as the account remains open. National Credit Union Share Insurance Fund Member accounts in the Xxxxxxxx-Xxxxxx Federal Credit Union are federally insured by the National Credit Union Share Insurance Fund. Truth in Savings Rate Schedule Schedule‌ The rates contained on our website (xxx.xxxxx.xxx) are accurate as of today’s date or call the Member Service Center tollat 000-free at 1000-800-580- 33000000. Account Dividend Rate1 Dividend Rate Annual Percentage Yield (APY)1 Minimum Balance Requirements Dividend Rate1 (APY)1 Savings Account 0.00% 0.00% $1 to open2 Checking Account (Including Really Free Checking and Business Checking) 0.00% 0.00% None RBFCU Classic Money Market Account $2,500 to $24,999.99 $25,000 to $74,999.99 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $2,500 to open and earn the APY3 $25,000 to $74,999.99 0.00% 0.00% Tiered-rate account4 $75,000 to $149,999.99 0.00% 0.00% $150,000 and greater 0.00% 0.00% RBFCU Choice Money Market Account $2,500 to open and earn the APY3 $2,500 to $10,000 0.00% 0.00% Blended tiered-rate account5 $10,000.01 to $25,000 0.00% 0.00% Limit one account per primary owner6 $25,000.01 and greater 0.00% 0.00% $2,500 minimum balance requirement7 IRA Savings 0.00% 0.00% $5 1 to $24,999.99 $1 to open and earn the APY $25,000 to $74,999.99 Tiered-rate account4 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% $1 to open and earn the APY Tiered-rate account4 Certificates and IRA Certificates (Including Traditional and Xxxx XXX Certificates) 6 to 11 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 12 to 23 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 24 to 35 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 36 to 47 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% 0.00% 0.00% $1,000 to open and earn the APY $20,000 to $74,999.99 0.00% 0.00% Tiered-rate account4 $75,000 and greater 0.00% 0.00% 0.00% 0.00% Tiered-rate account4 48 to 59 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 60 to 71 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 72 to 83 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 84 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 1For all Accounts except Certificate Accounts, the rates above reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the rates and APYs are accurate as of today. Rates are subject to change at any time. Please refer to the Truth in Savings Account Disclosure for more information. 2Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to keep the Account open, maintain your RBFCU membership and receive Credit Union services. 3Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to continue earning the current Money Market products dividend rate. If at any time your daily balance for the period falls below $2,500, your account will automatically revert to the current Savings account dividend rate. 4You must maintain the disclosed minimum daily balance in your Account to obtain the Annual Percentage Yield. The dividend rate corresponding to the average daily balance of the Account for the period will be paid on the entire balance of the Account. 5Each tier of your total RBFCU Choice Money Market balance adds up to a blended Annual Percentage Yield (APY) 6RBFCU Choice Money Market accounts are limited to one per member as the primary owner. A member may be joint on multiple RBFCU Choice Money Market accounts. 7RBFCU Choice Money Market account requires a minimum balance of $2,500. Earn the first tier on the entire balance up to $10,000 when the minimum balance is maintained. Truth in Savings Fee Schedule Schedule‌ An important benefit of membership is most fees and charges are lower than other financial institutions. Compare us and you will find many RBFCU services are free! The following fees may be assessed in connection with your accounts without advance notice to you.

Bylaw Requirements. You must complete payment of a membership share in order to maintain accounts at the Credit Union. The par value of a regular share in the Xxxxxxxx-Xxxxxx Federal Credit Union is $1. A member who fails to complete payment of one share within one month of his admission to membership, or within one month from the increase in the par value of shares, or a member who reduces his share balance below the par value of one share and does not increase the balance to at least the par value of one share within one month of the reduction may be terminated from membership. Note: There is a $1 minimum balance requirement in your primary savings accounts to be maintained as long as the account remains open. National Credit Union Share Insurance Fund Member accounts in the Xxxxxxxx-Xxxxxx Federal Credit Union are federally insured by the National Credit Union Share Insurance Fund. Truth in Savings Rate Schedule Schedule‌ The rates contained on our website (xxx.xxxxx.xxx) are accurate as of today’s date or call the Member Service Center toll-free at 1-800-580- 3300. Account Dividend Rate1 Dividend Rate Annual Percentage Yield (APY)1 Minimum Balance Requirements Savings Account 0.00% 0.00% $1 to open2 Checking Account (Including Really Free Checking and Business Checking) 0.00% 0.00% None RBFCU Classic Money Market Account $2,500 to $24,999.99 $25,000 to $74,999.99 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% $2,500 to open and earn the APY3 Tiered-rate account4 RBFCU Choice Money Market Account $2,500 to open and earn the APY3 $2,500 to $10,000 0.00% 0.00% Blended tiered-rate account5 $10,000.01 to $25,000 0.00% 0.00% Limit one account per primary owner6 $25,000.01 and greater 0.00% 0.00% $2,500 minimum balance requirement7 IRA Savings $5 to $24,999.99 $25,000 to $74,999.99 $75,000 to $149,999.99 $150,000 and greater 0.00% 0.00% $1 to open and earn the APY Tiered-rate account4 Certificates and IRA Certificates (Including Traditional and Xxxx XXX Certificates) 6 to 11 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 12 to 23 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 24 to 35 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 36 to 47 months $1,000 to $4,999.99 $5,000 to $19,999.99 0.00% 0.00% 0.00% 0.00% $1,000 to open and earn the APY $20,000 to $74,999.99 $75,000 and greater 0.00% 0.00% 0.00% 0.00% Tiered-rate account4 48 to 59 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 60 to 71 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 72 to 83 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 84 months $1,000 to $4,999.99 0.00% 0.00% $5,000 to $19,999.99 0.00% 0.00% $20,000 to $74,999.99 0.00% 0.00% $75,000 and greater 0.00% 0.00% 1For all Accounts except Certificate Accounts, the rates above reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the rates and APYs are accurate as of today. Rates are subject to change at any time. Please refer to the Truth in Savings Account Disclosure for more information. 2Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to keep the Account open, maintain your RBFCU membership and receive Credit Union services. 3Minimum balance required to open the Account. You must maintain the minimum opening balance at all times to continue earning the current Money Market products dividend rate. If at any time your daily balance for the period falls below $2,500, your account will automatically revert to the current Savings account dividend rate. 4You must maintain the disclosed minimum daily balance in your Account to obtain the Annual Percentage Yield. The dividend rate corresponding to the average daily balance of the Account for the period will be paid on the entire balance of the Account. 5Each tier of your total RBFCU Choice Money Market balance adds up to a blended Annual Percentage Yield (APY) 6RBFCU Choice Money Market accounts are limited to one per member as the primary owner. A member may be joint on multiple RBFCU Choice Money Market accounts. 7RBFCU Choice Money Market account requires a minimum balance of $2,500. Earn the first tier on the entire balance up to $10,000 when the minimum balance is maintained. Truth in Savings Fee Schedule Schedule‌ An important benefit of membership is most fees and charges are lower than other financial institutions. Compare us and you will find many RBFCU services are free! The following fees may be assessed in connection with your accounts without advance notice to you.