How We Will Calculate Your Balance: We will use a balance computation method called “daily balance.”  See your Account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.
Share Secured: The Annual Percentage Rate (APR) for Share secured advances will be the dividend rate being paid on Shares (Index) on the date of the advance, plus a margin of 2.50%.  The rates are subject to change on the day the dividend rate being paid on Shares changes.  The APR will never be less than 2.50%.  The APR will never be greater than 18.00%.  Any increase in the APR will result in higher payments.  
Certificate Secured: The Annual Percentage Rate (APR) for Certificate secured advances will be the dividend rate being paid on Certificate (Index) offered as security, plus a margin of 2.50%.  The Certificate must be renewed until the advance is completely paid.  When the Certificate is renewed, the APR will change to reflect the new dividend rate.  The APR will never be less than 2.50%.  The APR will never be greater than 18.00%.  Any increase in the APR will result in higher payments.  
Late Charge: If your installment payment is more than 30 days late, you will be charged a fee of 5% of the payment due.
Overdraft Advance: You will be charged $4.00 for an overdraft advance. 
Collections Charge: You promise to pay all costs of collecting the amount you owe under this agreement, including court cost and reasonable attorney fees up to 33%.
Skip Payments: For qualifying members, you may omit making payments during June or July and December or January of each year.  However, finance charges (interest) will continue to accrue during those months.
Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.  Please ask us for the rate that you qualify for.