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Oregon Independent Federal Credit Union
Fee and Rate Schedule
September-08-2003
Account Type Balance Related APR/APY
Shares/Savings Min Balance $100 .50%/.50%
Kid Accounts Min Balance $5.00 .50%/.50%
Checking Accounts Avg Daily Balance $500 .25%/.25%
Club-Fun Accounts Min Balance $25.00 .50%/.50%
Money Market Accounts $500-$2000
$2001-$5000
$5001-$25000
$25001-$50,000
Over $50,000
.65%/.65%
.75%/.75%
1.25%/1.26%
1.25%/1.26%
1.55%/1.56%
IRA Shares
Traditional/Education/Roth
$100-$1000
$1001-$5000
Over $5000
1.00%-1.01%
1.25%/1.26%
1.50%/1.56%
IRA Certificates
12 Month
24 Month
36 Month
Min Balance $1000
1.50%/1.56%
1.95%/1.97%
2.26%/2.27%
Certificates
3 Month
6 Month

Min Balance $500
Min Balance $500

0.95%/0.95%
1.25%/1.26%
12 Month $1000-$50,000
Over $50,000
1.50%/1.56%
1.75%/1.76%
24 Month $1000-$50,000
Over $50,000
1.95%/1.97%
2.05%/2.07%
36 Month $1000-$50,000
Over $50,000
2.25%/2.27%
2.55%/2.58%
The following fees are assessed on all Regular Share Accounts, IRA accounts and for specialized services the credit union provides. Separate fee disclosures for Loan fees and Share Draft/Checking fees are available upon request.
Fee Description
$2.00 Each share withdrawal over three per month.
$5.00 Check cashing fee (waived if check is less than $100)*
$15.00 Return deposited item fee
$5.00 Statement copy fee
$25.00 Western Union funds transfer
$10.00 to $20.00 Outgoing wire fee (determined by amount) United States only. Ask for foreign rates.
$5.00 Incoming wire fee
$15.00 If account closes within 90 days
$15.00 If account reopens within 90 days of closing
$1.00 Credit Union check made payable to third party
$.50 Money Order Fee
$2.00 Statement returned due to incorrect address
$2.00 Fax transmission (per page)
$5.00 IRA partial withdrawal fee (except mandatory Periodic Payments)
$15.00 IRA closure fee
* Fee waived if member also has a share draft account. Cash withdrawals are limited to $200 per day unless member has a share draft account or makes arrangements with the credit union at least 7 working days in advance.
Club accounts are allowed one withdrawal per year to zero out and re-start.
All dividends are based on the "Average Daily Balance" for the dividend period. Shares, Club, Kid, IRA's and Certificates are compounded and paid quarterly. Checking and Money Market accounts are compounded and paid month.
Note: These fees are subject to change without notice.
Effective September-08-2003


TM & © 2000, 2001, 2002, 2003 & 2004 -- Oregon Independent Federal Credit Union.