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February 22, 2012
FEES and DISCLOSURES Minimize

Deposit Account Fees

NSF

 $25.00
Stop Payment $10.00

Rates and fees may change without notice as conditions warrant.

APR=Annual Percentage Rate
APY=Annual Percentage Yield
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  Share (Savings) Rates      
SHARE RATES Minimize

Last Dividend Declaration Date:  
June 30th., 2011    

SHARES
Dividends Coumpounded

Semi-annually
Dividends Credited

Semi-annually
Dividend Period

Semi-annual   

BALANCE REQUIREMENTS:   DIVIDEND RATE    /     APY

Minimum Balance to Earn Stated APY:    

     $5.00 to $10,000.00

     $10,000.01 and above

    

     0.50%                  /   0.50%

     0.50%                  /   0.50%
Minimum Opening Deposit $5.00
Balance Method Daily Balance

Contact the Credit Union for more complete information on all of our fees and terms. (814) 887-9244
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CHRISTMAS and VACATION CLUB SHARE RATES Minimize

*Christmas Club Share Rates as of 9/30/2010 (1) (3)
.50 % Dividend Rate
.50% APY

 

**Vacation Club Share Rates as of 4/30/2011 (2) (3)
  .50 % Dividend Rate
.50% APY

(1) Christmas Clubs run from October 1st thru September 30th. Dividends are paid on September 30th. The minimum balance to open a Christmas Club Account is $5.00. The minimum balance to earn the APY is $5.00.

(2) Vacation Clubs run from May 1st thru April 30th. Dividends are paid on April 30th. The minimum balance to open a Vacation Club Account is $5.00. The minimum balance to earn the APY is $5.00.

(3) Members must have a Regular/Savings Share account with a minimum balance of $5.00 to open a Christmas Club or Vacation Club Share Account. Each account must have a minimum balance of $5.00. 
    a) All dividends are declared by the Board of Directors. 
    b) Members may start a Christmas or Vacation Club at any time. Once started, the
         clubs will automatically renew themselves unless the Credit Union is notified.
    c) You can make changes to your automatic withdrawals for your clubs at anytime, 
         without penalty.

 

Sweet ass for Sale
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Petrowax Federal Credit Union

P.O. Box 307 • 65 Route 446 •  Smethport, PA 16749 • (814) 887-9244

 

             

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