SHARE DRAFT

Share draft accounts enable you to write checks on our service charge free account. Dividends are computed daily and posted monthly. You can set up Automatic Clearing House (ACH's) or any other electronic debit/credit such as payroll deductions and automatic deductions on your share draft account free of charge.

• No per check charge.
• Automatic transfers from Share account as courtesy three time a month free to cover overdrafts. After three times there will be a fee.
• Debit Card

In addition to the above, our checking accounts offers the following features:

• Receive a Visa Cash & Check Card (Debit Card) accepted anywhere VISA is accepted, or at any ATM or Point of Sale device that displays the STAR or PLUS logo.
• Establish overdraft protection from your savings account or an established line of credit.
• All purchases made with the Visa Cash and Check Card are deducted directly from your checking account. There is no transactional or monthly fee associated with the Visa Cash and Check Card when used at the point of sale. ATM transaction fee is $1.00 per transaction.
  

VISA ATM/DEBIT CARD

UDCU belongs to the Visa, STAR, Exchange and Accel networks, giving members access to thousands of ATM's throughout the U.S. Your debit card is linked to your share draft account. For Point of Sale or ATM transactions, funds will be withdrawn directly from your share draft account.

CO-OP NETWORK IS PART OF THE NETWORKS WE BELONG TO!

REGULAR SHARE SAVINGS ACCOUNT

This is the primary account that you are required to open with at least 5 shares at a par value of $5.00 ($25.00) deposit to become a member. There is a monthly service fee of $5.00 on accounts with an aggregate balance of less than $100.00.

CHRISTMAS CLUB ACCOUNTS

Save as little or as much as you want and receive a check the last week of October to do your Christmas shopping.

SHARE CERTIFICATES

Our CDs are designed to give you competitive rates, combined with safety and security.

The terms are as follows:

TRADITIONAL IRA

18 and 30-month terms are as follows:

ROTH IRA

18 and 30-month terms are as follows:

MONEY MARKET SHARE ACCOUNTS

Money Market accounts require a $2500 minimum balance and earn higher yield rate than regular share accounts.

DISCLOSURE

Rates and APY* are subject to change without notice and early closure fees may reduce earnings. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly.

Federally insured $250,000

*APY= Annual Percentage Yield