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(a) Amount of penalty - For Savings Certificates and IRA Certificates, the penalty we may impose will equal 180 days dividends on the amount withdrawn.There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty.Bylaw Requirements - You must complete payment of one share into your Savings account as a condition of admission to membership. If at any time your balance falls below the par value of one share and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership.Transaction limitations - You may not make additions into a Savings Certificate or IRA Certificate account after it has been initially funded. You may elect to have dividends transferred automatically to another account at the credit union.It applies whether or not the dividends have been earned.If the account has not yet earned enough dividends or the dividends have already been paid, the penalty will be deducted from the principal.For Money Market Savings, IRA, and Youth Savers accounts, the dividend rate and annual percentage yield may change daily.

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Early withdrawal penalty for Certificates of Deposit - We may impose an early withdrawal penalty if you withdraw any of the principal before the maturity date.

You may elect to have your dividends mailed to you by check.

Maturity - Your Savings Certificate or IRA Certificate account will mature on the maturity date set forth on your account receipt or maturity notice.

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