Disclosures

Disclosures

Honors Checking 

4.0% Annual Percentage Yield paid monthly on balances up to $5,000.  Balances over $5,000 will earn the higher tier Share 1 dividend rate when requirements are met. If requirements are not met, the entire balance will earn the lower tier Share 1 dividend rate. Requirements must be met to receive ATM fee refunds. Rates & terms as of September 1, 2015 and are subject to change. Must qualify for checking account. Personal accounts only. All requirements must be met before month-end processing (on last business day of month) to earn higher dividend rate and ATM fee refunds. Transactions not posted by the last business day of the month will count toward the following month’s requirements. Only one Honors Checking account per member. ATM fee refunds up to $25 per month when requirements are met. Does not apply to ATMs outside the US.


Student Honors Checking

2.0% Annual Percentage Yield paid monthly on balances up to $5,000. Balances over $5,000 will earn the higher Share 1 dividend rate when requirements are met or the lower tier Share 1 rate if requirements are not met. All requirements must be met before month-end processing on last business day of month. Transactions posted after that time will count toward the following month’s requirements. Rates & terms as of August 1, 2015 and are subject to change. Must qualify for checking account. Personal accounts only. Only one Student Honors Checking account per member. ATM fee refunds up to $12.50 per month when requirements are met. Does not apply to ATMs outside the US. One “Oops!” NSF refund per year (rolling 12 months) upon request. Ages 16 to 24 only.  Under 18 requires signature of parent or guardian. Account converts to Honors Checking at age 25.


Auto

Annual Percentage Rate. Rates shown reflect .25% discount for automatic payment option and a .25% discount for Class Act FCU checking with direct deposit. 100% financing with no down payment required on 2015 and new models. 80% financing available on older models. Rates subject to change at any time and are based on credit history, model year of vehicle and income


LifeStyle

Variable Annual Percentage Rate as low as 8.5% (Prime + 5.00%) on approved credit. Minimum credit line of $5,000, maximum $20,000. Minimum monthly payment of 2.5% of the outstanding balance or $50 whichever is greater. Rates subject ot change. Payment illustration: balance of $5,000 would have a minimum payment of $125.


Checks

50 checks free with first purchase of checks. Additional checks are inexpensive with more than 30 styles to choose from (120 per box).
Free personalized checks. 1 box of Standard checks per quarter (up to 4 boxes free per year).


Overdraft Protection

There’s nothing more embarrassing or frustrating than discovering an overdraft.  Worse, they can be costly.  In addition to our NSF fee, merchants charge additional fees for returned checks and you could even incur late fees as a result of an overdraft that could negatively impact your credit score.  But don’t worry, your credit union has a solution to help reduce the frequency of such events, and limit the damage when they do.  Open an overdraft line of credit to cover it.  It’s an affordable way to avoid the fees and hassle of a bounced check or other debit item.  There is no cost to set up Extra Credit overdraft protection.  Finance charges* are assessed only if and when an advance is made.  The sooner the balance is paid, the less it costs.  And you can pay it conveniently by transferring funds using online or mobile banking or even our Express Line audio teller.  To find our more call us at 502.964.7575 or apply now.

*15% Annual Percentage Rate.  Monthly payments equal to 2.5% of outstanding balance or $25, whichever is greater.


Money Market Account

Share accounts will be calculated on the daily balance and posted quarterly on the last day of the current quarter. Dividends will be paid monthly on the daily balance using the Rising Method calculation.


SnapDeposit

For SnapDeposit guidelines please click here.


Membership & Account Agreement

Click here to download our Membership & Account Agreement.


Rates & Fee Schedule 

Click here to download our Rates & Fee Schedule.


Electronic Funds Transfer Disclosure

Click here to download our Electronic Funds Transfer Disclosure.


Privacy Policy 

Click here to download our Privacy Policy.


Note: If you close one of the above listed accounts before the accrued dividends are credited, the dividend will not be paid.

Rates shown are Annual Percentage Rates (APR) for members with excellent credit and reflect .25% discount for automatic payment option and a .25% discount for Class Act FCU checking with direct deposit. Other rates available for members with less than perfect credit.

View Our Rates