Except as specifically described, the following disclosures apply to all of our accounts.

1. Rate Information. The Dividend Rate is the interest rate to be paid on an account which does not reflect compounding. The Annual Percentage Yield (APY) is an annualized rate that reflects the relationship between the amount of dividends earned on an account and the frequency of compounding for a 365-day period. The Dividend Rate and Annual Percentage Yield may change as determined by RCFCU's Board of Directors.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Compounding and Crediting. Dividends will be compounded every day they are on deposit at the end of the business day and credited to your account every month. The dividend period for each account is monthly. The Dividend Period begins on the first calendar day of the period and ends on the last day of the period.

4. Accrual of Dividends. Dividends on deposits will begin to accrue the business day you make the deposit. If you close your account before dividends are posted, accrued dividends will not be paid. Dividends are not earned on the day of withdrawal.

5. Balance information. The minimum balance required to open each account is shown on Rate webpage. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

6. Transaction Limitations. The transaction limitations for each account are set forth for Regular Savings, Special Savings and Holiday Savers Club Accounts on which transfer limitations apply to no more than six per month.

7. Withdrawal of Share Certificate Dividends. You may only withdraw dividends on Share Certificate Accounts before maturity. You make arrangements with us for periodic payments of dividends in lieu of crediting. The Annual Percentage Yield (APY) is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

8. Maturity. Your Share Certificate Account will mature at the maturity date set forth on your certificate or renewal notice. If your certificate automatically renews at maturity, you may prevent renewal if we receive notice from you within seven calendar days after maturity. If you prevent renewal or your Share Certificate Account does not automatically renew, your deposit will be placed in a dividend-bearing account without any early withdrawal penalty. Each automatic renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new Share Certificate Accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original Share Certificate Account.

9. Additional Deposits. Additional deposits are allowed to savings and checking accounts, but not to share certificates.

10. To qualify for River City REWARD Checking Account rates, you must: 

> Make 15 debit card point of sale transactions per "qualification cycle." 
> Receive your monthly statement electronically. 
> Set up at least one monthly direct deposit. 

"Qualification cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. If you have met your qualifications for the month, we will refund domestic ATM fees up to $25.00 per qualification cycle. For a refund of ATM fees exceeding $4.99 per item, presentation of a receipt is required. If you do not meet the qualifications per cycle, we will pay the base rate on your account. And, it will not receive ATM refunds for that cycle.