Rates
 

Rates

  • Loans
  • Deposits
  • Consumer Loans
  • Home Equity
  • Visa
Product Description APR
New Autos
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from Maps checking account. 3.49% - 16.24% APR
Used Autos
Fixed Rate Models 2009 and older, rate includes .50% reduction for auto pay from Maps checking account. 4.49% - 19.24% APR
New RVs
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from a Maps checking account. 9.49% - 20.49% APR
Variable Rate Models 2010 - 2011 5.90%- 15.99% APR
Used RVs
Fixed Rate Models 2009 - older, rate includes .50% reduction for auto pay from Maps checking account. 10.49% - 21.49% APR
Variable Rate Models 2009 and older 5.99% - 17.99% APR
New Marine
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from Maps checking account 7.49% - 17.24% APR
     
Used Marine
Fixed Rate Models 2009 - older, rate includes .50% rate reduction for auto pay from Maps checking account 8.49% - 18.24% APR
Personal Loans
Fixed Rate Signature loan. Rate includes .50% reduction for auto pay from Maps checking account 14.25% - 20.75% APR
Variable Rate Signature loan 10.75% - 17.25%
Goldline Plus
Variable Rate Signature Line of Credit 10.15% - 16.40% APR
Shared Secured
Variable Rate Secured by your Maps Share Account 5.00% APR
Certificate Secured
Variable Rate Secured by your Maps Certificate Account Certificate Rate + 2% APR

APR = annual percentage rate. These rates are effective as of January 1, 2011, and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

All loans are subject to a $60 loan origination fee and a $10 membership fee if borrower is not already a member.

Fixed rates include a 0.50% rate reduction for automatic payment from a Maps Checking account. Rate will be increased 0.25% if payment is not from a Maps Checking account. Rate will be increased 0.50% if payment is not automated. Floor rate of 4.74% applicable to all discounts.

Repayment Terms APR Loan to Value
Home Equity Line of Credit
HELOC Owner-Occupied. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.00% - 7.50% APR* up to 90% LTV
Home Equity LOC Fixed for Five
HELOC Owner-Occupied. Interest rate is fixed for the first 5 years, thereafter variable rate* may adjust quarterly. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.25 - 9.49% APR* up to 90% LTV
Fixed for Five Home Equity Loan
The interest rate is fixed for the first 5 years, thereafter the variable rate* may adjust quarterly. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
Up to 20 year repay 3.99 - 7.99% APR* up to 90% LTV
Fixed Rate Home Equity Loan
Fixed Rate Lump Sum Owner-Occupied. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs.
Up to 10 year repay 4.50% - 8.00% APR up to 90% LTV
Up to 20 year repay 5.50% - 9.00% APR up to 90% LTV

These rates are effective as of March 1, 2011 and are subject to change at any time. Please call 503.588.0181 for the most up-to-date rate information.

Offering Rates may change at any time. Other terms and conditions may apply. Minimum draw amount at closing: $10,000. Appraisals required. Cancellation fee of $500 if loan is paid off and closed in less than 36 months and Maps paid any portion of the closing costs. Cancellation fee of $250 if loan is paid off and closed in less than 12 months and borrower paid all closing costs. Flood search cost: $10. Estimated recording cost: $86-96. Estimated title insurance or property report cost: $85 - $1300. Total estimated costs will vary based on individual loan.

* Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime (currently 3.25%) plus or minus a margin. Minimum APR: 4%. Maximum APR: 18%.

Product APR
Visa
Platinum Points Visa 9.90% APR on purchases
Platinum Visa 9.90% APR to 17.90% on purchases

Product Dividend Rate APY Balance to Earn Dividends
Savings
Premier IRA (Annual Fee of $10) .90% .90% $0
Monthly IRA Share Account .80% .80% $0
IRA Savings .50% .50% $0
IRA Regular Certificates
60 months 2.03% 2.05% Min: $1,000
48 months 1.54% 1.55% Min: $1,000
36 months 1.19% 1.20% Min: $1,000
30 months .85% .85% Min: $1,000
24 months .85% .85% Min: $1,000
18 months .50% .50% Min: $1,000
12 months First Step (Coverdell ESA) .40% .40% Min: $100
12 months .50% .50% Min: $1,000
6 months .30% .30% Min: $1,000
Jumbo Certificates
60 months 2.13% 2.15% Min: $50,000
48 months 1.64% 1.65% Min: $50,000
36 months 1.29% 1.30% Min: $50,000
30 months .95% .95% Min: $50,000
24 months .95% .95% Min: $50,000
18 months .60% .60% Min: $50,000
12 months .60% .60% Min: $50,000
6 months .40% .40% Min: $50,000

These rates are effective December 30, 2010 - January 5, 2011, and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Savings account dividends are compounded and credited monthly.

Interest computation method is compounded quarterly.

Savings Truth-In Savings Disclosures

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For dividend bearing accounts, the Dividend Rate may change monthly as determined by the 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 a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date, which the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and non-cash contributions on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will be paid.

5. Balance Information. The minimum balance required to open each account is set forth above. For IRA Savings dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. For the Monthly IRA Share accounts periodic deposits are required in the form of direct deposit, payroll deduction, or automatic transfers. Deposits shall be a monthly minimum of $50.00 with an annual maximum of the contribution limit, $5,000 or $6,000 for age 50 + years for 2009. Additional contributions may be made at any time as long as monthly contributions are still made. Once monthly contributions end the account will be transferred to a regular IRA share account. Monthly IRA Share accounts are current year contributions only; prior year contributions, rollovers and transfers, internally or externally are not eligible.

6. Premier IRA. A $10 annual fee will be assessed between January 15 and January 31. The fee is deducted from the IRA principal, and does not count as a withdrawal for IRS purposes.

The rates appearing in this Schedule are accurate and effective for Savings Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at the telephone numbers on the reverse side.

Certificate Truth-In Savings Disclosures

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

1. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and APY are fixed and will be in effect for the term of the account. For Bump-Up Option Certificate, you may elect to adjust your Dividend Rate to a new fixed Dividend Rate based on the rate currently offered for the standard 24-month certificate account once during the term of the account.

2. Compounding and Crediting. Interest will be computed and credited as set forth above. The Interest Period begins on the first calendar day of the Interest Period and ends on the last calendar day of the Interest Period.

3. Balance Information. *The minimum balances required to open each account are set forth above. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

4. Accrual of Interest. Interest begins to accrue on cash and noncash (e.g. checks) deposits on the business day you make the deposit to your account.

5. Transaction Limitations. After your account is opened, you may not make additional deposits to your account until after the maturity date.

6. Maturity. Your account will mature within the term set forth above or the maturity date set forth on your Account Receipt or Renewal Notice.

7. Early Withdrawal Penalty. Partial withdrawals are not allowed and a penalty will be imposed if you withdraw the principal before the maturity date. Interest may be withdrawn before the maturity date without penalty, however if the account is compounded, the APY will be reduced.
a. Amount of Penalty. The amount of the penalty for early withdrawal of the principal is based on the term of your account. The penalty schedule is as follows: Certificates 365 days or less — 90 days interest; more than 365 days — 180 days interest. The penalty is calculated as a forfeiture of part of the interest that has been earned on the account and is calculated on the original balance of the certificate on the opening or most recent rollover date. How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
b. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
c. IRA Accounts. You may designate Certificates with periods from 6 to 60 months as an IRA account; however all IRA limitations and withdrawal restrictions apply, specifically the 10% early withdrawal penalty if you are under 59 ½ years of age, refer to the Credit Union IRA Disclosure Statement in your IRA Trust Application Packet.

8. Renewal Policy. Your account will automatically renew for another term upon maturity at the then current interest rate. You have a grace period of ten (10) days after maturity in which to make deposits or withdrawals without being charged a penalty. If deposits or withdrawals are made during the grace period your APY may be effected. No interest will accrue after the maturity date if the account is not renewed. Your certificate will renew at the next shortest standard certificate term if your current certificate is not a standard term. The standard certificate terms are 3, 6, 12, 18, 24, 30, 36, 48, and 60 months. For example, a 13-month certificate will automatically renew for 12 months at the current 12-month dividend rate and APY. Except the 5-month certificates will automatically renewal for 6 months at the current 6 month dividend rate and APY and the 22-month bump-up certificates will automatically renewal for 24 months at the current 24-month dividend rate and APY. In addition, 30 month bump certificate will renew as a regular 30 month certificate.

9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union.

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at 503.588.0181or 1.800.688.0181 ext. 3811.
Product Description APR
New Autos
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from Maps checking account. 3.49% - 15.74% APR *
Used Autos
Fixed Rate Models 2009 and older, rate includes .50% reduction for auto pay from Maps checking account. 4.49% - 19.24% APR
New RVs
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from a Maps checking account. 9.49% - 20.49% APR
Variable Rate Models 2010 - 2011 5.90%- 15.99% APR
Used RVs
Fixed Rate Models 2009 and older, rate includes .50% reduction for auto pay from Maps checking account. 10.49% - 21.49% APR
Variable Rate Models 2009 and older 5.99% - 17.99% APR
New Marine
Fixed Rate Models 2010 - 2011, rate includes .50% reduction for auto pay from Maps checking account 7.49% - 17.24% APR
     
Used Marine
Fixed Rate Models 2009 and older, rate includes .50% rate reduction for auto pay from Maps checking account 8.49% - 18.24% APR
Personal Loans
Fixed Rate Signature loan. Rate includes .50% reduction for auto pay from Maps checking account 14.25% - 20.75% APR
Variable Rate Signature loan 10.75% - 17.25%
Goldline Plus
Variable Rate Signature Line of Credit 10.15% - 16.40% APR
Shared Secured
Variable Rate Secured by your Maps Share Account 5.00% APR
Certificate Secured
Variable Rate Secured by your Maps Certificate Account Certificate Rate + 2% APR

APR = annual percentage rate. These rates are effective as of November 1, 2010. and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

All loans are subject to a $60 loan origination fee and a $10 membership fee if borrower is not already a member.

Fixed rates include a 0.50% rate reduction for automatic payment from a Maps Checking account. Rate will be increased 0.25% if payment is not from a Maps Checking account. Rate will be increased 0.50% if payment is not automated. Floor rate of 4.74% applicable to all discounts.

Repayment Terms APR Loan to Value
Home Equity Line of Credit
HELOC Owner-Occupied. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.00% - 7.50% APR* up to 90% LTV
Home Equity LOC Fixed for Five
HELOC Owner-Occupied. Interest rate is fixed for the first 5 years, thereafter variable rate* may adjust quarterly. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.75% - 9.99% APR* up to 90% LTV
Fixed for Five Home Equity Loan The interest rate is fixed for the first 5 years, thereafter the variable rate* may adjust quarterly. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
Up to 20 year repay 3.99 - 7.99% APR* up to 90% LTV
Fixed Rate Home Equity Loan Fixed Rate Lump Sum Owner-Occupied. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs.
Up to 10 year repay 4.50% - 8.00% APR up to 90% LTV
Up to 20 year repay 5.50% - 9.00% APR up to 90% LTV

These rates are effective as of December 1, 2010 and are subject to change at any time. Please call 503.588.0181 for the most up-to-date rate information.

Offering Rates may change at any time. Other terms and conditions may apply. Minimum draw amount at closing: $10,000. Appraisals required. Cancellation fee of $500 if loan is paid off and closed in less than 36 months and Maps paid any portion of the closing costs. Cancellation fee of $250 if loan is paid off and closed in less than 12 months and borrower paid all closing costs. Flood search cost: $10. Estimated recording cost: $86-96. Estimated title insurance or property report cost: $85 - $1300. Total estimated costs will vary based on individual loan.

* Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment
term. The variable APR may adjust quarterly based on Wall Street Prime (currently 3.25%) plus or minus a margin. Minimum APR: 4%. Maximum APR: 18%.

Product APR
Visa
Platinum Points Visa 9.90% APR on purchases
Platinum Visa 9.90% APR to 17.90% on purchases

Product Dividend Rate APY Service Fees
SavingsMinimum Balance to Earn Dividends $100.
Share Savings .10% .10% $100 Minimum Balance to Avoid Service Fee
Market Investor
$500 minimum opening balance and $100 minimum balance to earn dividends.
$0- $9,999 .20% .20% N/A
$10,000 - $24,999 .25% .25% N/A
$25,000 - $49,999 .30% .30% N/A
$50,000 - $99,999 .35% .35% N/A
$100,000 - $249,999 .40% .40% N/A
$250,000 and above .45% .45% N/A
Basic Business Checking
$100 minimum opening balance. Monthly transaction fee: 50 checks and deposits free, $0.15 each thereafter.
Basic Business Checking N/A N/A N/A
Business Checking
$100 minimum opening balance. Monthly transaction fee: 75 checks and deposits free, $0.15 each thereafter. $1,500 minimum balance to avoid service fee and earn dividends.
$1,500 - $9,999 .15% .15% 7.50*
$10,000 - $24,999 .20% .20% 7.50*
$25,000 - $49,999 .25% .25% 7.50*
$50,000 - $99,999 .30% .30% 7.50*
$100,000 or more .40% .40% 7.50*
Business Plus Checking
$100 minimum opening balance. Monthly sevice fee $150, $2,500 minimum daily balance to earn dividends, and no transaction fees.
Business Plus Checking 0.25% 0.25% $150.00

These rates are effective as of November 1, 2010 and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

Rate Disclosures

Members must keep a minimum $100 accumulative balance deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *Free Community interest will be donated by Maps on behalf of our members to designated non-profits and will not be deposited into member’s accounts. For tiered rate accounts, dividends are paid on the entire account balance at the dividend rate disclosed for the account balance tier.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend- bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. For Share Savings the dividends are calculated and the minimum balances required to earn dividends or to avoid a service fee (where applicable) are determined by the average daily balance method. The average daily balance is calculated by adding the balance in the account for each day of the month and dividing that figure by the number of days in the month. Dividends are then calculated by multiplying a daily periodic rate to the average daily principal balance in the account. If the average daily balance is not met for the month, the account will not earn dividends and may be subject to a service fee. For Market Investor and the Business Checking accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day. On Market Investor accounts, the daily balance to keep the account open is $100.

6. Account Limitations. For Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month, including transactions made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or being closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. There is a withdrawal fee if you withdraw any of the Christmas Club account balance prior to the withdrawal date.

7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.
 
  • Savings
  • Checking
  • Certificates
  • IRAs
  • Business
Product Dividend Rate APY Minimum Balance to Earn Dividends
Products
Share Savings 0.10% 0.10% $100
Youth Savings 0.10% 0.10% $0
Christmas Club 0.10% 0.10% $0
Market Investor
$5000 minimum opening balance and $100 minimum balance to earn dividends.
$0 - $9,999 .20% .25% $1,000
$10,000 - $24,999 .25% .25% $1,000
$25,000 - $49,999 .30% .30% $1,000
$50,000 - $99,999 .35% .35% $1,000
$100,000 - $249,999 .40% .40% $1,000
$250,000 and above .45% .45% $1,000

These rates are effective as of November 1, 2010, and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

Rate Disclosures

Members must keep a minimum $100 accumulative balance deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

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

1. Rate Information. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *Free Community interest will be donated by Maps on behalf of our members to designated non-profits and will not be deposited into member’s accounts. For tiered rate accounts, dividends are paid on the entire account balance at the dividend rate disclosed for the account balance tier.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend- bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. For Share Savings, Youth Savings, President’s Club, Dividend Option, Passport, and Free Community accounts, the dividends are calculated and the minimum balances required to earn dividends or to avoid a service fee (where applicable) are determined by the average daily balance method. The average daily balance is calculated by adding the balance in the account for each day of the month and dividing that figure by the number of days in the month. Dividends are then calculated by multiplying a daily periodic rate to the average daily principal balance in the account. If the average daily balance is not met for the month, the account will not earn dividends and may be subject to a service fee. For Christmas Club and Market Investor accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day. On Market Investor accounts, the daily balance to keep the account open is $100.

6. Account Limitations. For Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee or being closed. No limit on teller transactions. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. With Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.

7. Deposit Reclassification .Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-dividend bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any dividends. If your account is a dividend-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same dividend rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Product Dividend Rate APY Minimum Balance to Avoid Service Fee
Free Community Checking
$25 minimum opening balance and no service fees
Free Community Checking 0.10%* 0.10%* N/A
Presidents Club Checking
$25 minimum opening balance. $30,000 in total loans or deposits to avoid the $7.50 service fee. Minimum $750 average daily balance to earn dividends.
$750 - $4,999.99 0.15% 0.15% $30,000 in total loans or deposits
$5,000 - $9,999.99 0.15% 0.15% $30,000 in total loans or deposits
$10,000 - $24,999.99 0.20% 0.20% $30,000 in total loans or deposits
$25,000 - $49,999.99 0.25% 0.25% $30,000 in total loans or deposits
$50,000 - $74,999.99 0.30% 0.30% $30,000 in total loans or deposits
$75,000 - $99,999.99 0.30% 0.30% $30,000 in total loans or deposits
Above $100,000 0.35% 0.35% $30,000 in total loans or deposits
Dividend Option Checking
$25 minimum opening balance. Minimum $750 Average Daily Balance to Avoid Service Fee and earn dividends.
Dividend Option Checking 0.10% 0.10% $750 Average Daily Balance
Passport Option Checking
$25 minimum opening balance. Minimum $750 Average Daily Balance to earn dividends.
Passport (55+) Checking 0.10% 0.10% N/A
Basic Checking
$25 minimum opening balance and $10.00 monthly service fee.
Basic Checking N/A N/A N/A

These rates are effective as of December 1, 2010 and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

Rate Disclosures

Dividends on all savings accounts are compounded and credit monthly. Members must keep a minimum of $100 deposited at the credit union to avoid a monthly $3 single service fee. See Fee Schedule for details.

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *Free Community interest will be donated by Maps on behalf of our members to designated non-profits and will not be deposited into member’s accounts. For tiered rate accounts, dividends are paid on the entire account balance at the dividend rate disclosed for the account balance tier.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend- bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. For Share Savings, Youth Savings, President’s Club, Dividend Option, Passport, and Free Community accounts, the dividends are calculated and the minimum balances required to earn dividends or to avoid a service fee (where applicable) are determined by the average daily balance method. The average daily balance is calculated by adding the balance in the account for each day of the month and dividing that figure by the number of days in the month. Dividends are then calculated by multiplying a daily periodic rate to the average daily principal balance in the account. If the average daily balance is not met for the month, the account will not earn dividends and may be subject to a service fee. For Christmas Club and Market Investor accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day. On Market Investor accounts, the daily balance to keep the account open is $100.

6. Account Limitations. For Market Investor accounts, no more than six (6) preauthorized, automatic, telephone transfers, or withdrawals may be made from these accounts to another account of yours or to a third party in any month, including transactions made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or being closed. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. With Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.

7. Deposit Reclassification .Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.

Months Dividend Rate APY Balance to Earn Dividends
Regular Certificates
60 months 2.03% 2.05% Min: $1,000
48 months 1.54% 1.55% Min: $1,000
36 months 1.19% 1.20% Min: $1,000
30 months .85% .85% Min: $1,000
24 months .85% .85% Min: $1,000
18 months .50% .50% Min: $1,000
12 months First Step .40% .40% Min: $100
12 months .50% .50% Min: $1,000
6 months .30% .30% Min: $1,000
3 months .25% .25% Min: $1,000
Jumbo Certificates
60 months 2.13% 2.15% Min: $50,000
48 months 1.64% 1.65% Min: $50,000
36 months 1.29% 1.30% Min: $50,000
30 months .95% .95% Min: $50,000
24 months .95% .95% Min: $50,000
18 months .60% .60% Min: $50,000
12 months .60% .60% Min: $50,000
6 months .40% .40% Min: $50,000
3 months .35% .35% Min: $50,000

These rates are effective October 28 - November 3, 2010 and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Interest computation method is compounded quarterly.

Truth-In Savings Disclosures

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

1. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and APY are fixed and will be in effect for the term of the account.

2. Compounding and Crediting. Interest will be computed and credited as set forth above. The Interest Period begins on the first calendar day of the Interest Period and ends on the last calendar day of the Interest Period.

3. Balance Information. *The minimum balances required to open each account are set forth above, except there is a minimum opening balance of $100 for the First Step account. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

4. Accrual of Interest. Interest begins to accrue on cash and noncash (e.g. checks) deposits on the business day you make the deposit to your account.

5. Transaction Limitations. After your account is opened, you may not make additional deposits to your account until after the maturity date. For Monthly IRA Option accounts periodic deposits are allowed in the form of direct deposit, payroll deduction or automatic transfers. Deposits shall be a monthly minimum of $50.00 up to the annual maximum allowed by law. For the Growth Rate Certificate depoisits and withdrawals are allowed annually for a period of 10 days following the anniversary of the account opening.

6. Maturity. Your account will mature within the term set forth above or the maturity date set forth on your Account Receipt or Renewal Notice.

7. Early Withdrawal Penalty. Partial withdrawals are not allowed and a penalty will be imposed if you withdraw the principal before the maturity date. Interest may be withdrawn before the maturity date without penalty, however if the account is compounded, the APY will be reduced.

a. Amount of Penalty. The amount of the penalty for early withdrawal of the principal is based on the term of your account. The penalty schedule is as follows: Certificates 365 days or less--90 days interest; more than 365 days--180 days interest. The penalty is calculated as a forfeiture of part of the interest that has been earned on the account and is calculated on the original balance of the certificate on the opening or most recent rollover date. For Monthly IRA Option certificates the above penalty calculation is based upon the current balance. How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.

b. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

c. IRA Accounts. You may designate Certificates with periods from 6 to 48 months as an IRA account; however all IRA limitations and withdrawal restrictions apply, specifically the 10% early withdrawal penalty if you are under 59 ½ years of age, refer to the Credit Union IRA Disclosure Statement in your IRA Trust Application Packet. *Monthly IRA Option only applies to 12 month certificates.

8. Renewal Policy. Your account will automatically renew for another term upon maturity at the then current interest rate. You have a grace period of ten (10) days after maturity in which to make deposits or withdrawals without being charged a penalty. If deposits or withdrawals are made during the grace period your APY may be effected. No interest will accrue after the maturity date if the account is not renewed. 30 month bump certificate will renew as a regular 30 month certificate.

9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union.

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at 503-588-0181, ext. 3811 or 1-800-688-0181, ext. 3811.
Product Dividend Rate APY Balance to Earn Dividends
Savings
Premier IRA (Annual Fee of $10) .90% .90% $0
Monthly IRA Share Account .80% .80% $0
IRA Savings .50% .50% $0
IRA Regular Certificates
60 months 2.03% 2.05% Min: $1,000
48 months 1.54% 1.55% Min: $1,000
36 months 1.19% 1.20% Min: $1,000
30 months .85% .85% Min: $1,000
24 months .85% .85% Min: $1,000
18 months .50% .50% Min: $1,000
12 months First Step (Coverdell ESA) .40% .40% Min: $100
12 months .50% .50% Min: $1,000
6 months .30% .30% Min: $1,000
Jumbo Certificates
60 months 2.13% 2.15% Min: $50,000
48 months 1.64% 1.65% Min: $50,000
36 months 1.29% 1.30% Min: $50,000
30 months .95% .95% Min: $50,000
24 months .95% .95% Min: $50,000
18 months .60% .60% Min: $50,000
12 months .60% .60% Min: $50,000
6 months .40% .40% Min: $50,000

These rates are effective Novbember 4 - 10, 2010, and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Savings account dividends are compounded and credited monthly.

Interest computation method is compounded quarterly.

Savings Truth-In Savings Disclosures

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For dividend bearing accounts, the Dividend Rate may change monthly as determined by the 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 a dividend period. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date, which the Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth above. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and non-cash contributions on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will be paid.

5. Balance Information. The minimum balance required to open each account is set forth above. For IRA Savings dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. For the Monthly IRA Share accounts periodic deposits are required in the form of direct deposit, payroll deduction, or automatic transfers. Deposits shall be a monthly minimum of $50.00 with an annual maximum of the contribution limit, $5,000 or $6,000 for age 50 + years for 2009. Additional contributions may be made at any time as long as monthly contributions are still made. Once monthly contributions end the account will be transferred to a regular IRA share account. Monthly IRA Share accounts are current year contributions only; prior year contributions, rollovers and transfers, internally or externally are not eligible.

6. Premier IRA. A $10 annual fee will be assessed between January 15 and January 31. The fee is deducted from the IRA principal, and does not count as a withdrawal for IRS purposes.

The rates appearing in this Schedule are accurate and effective for Savings Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at the telephone numbers on the reverse side.

Certificate Truth-In Savings Disclosures

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

1. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and APY are fixed and will be in effect for the term of the account. For Bump-Up Option Certificate, you may elect to adjust your Dividend Rate to a new fixed Dividend Rate based on the rate currently offered for the standard 24-month certificate account once during the term of the account.

2. Compounding and Crediting. Interest will be computed and credited as set forth above. The Interest Period begins on the first calendar day of the Interest Period and ends on the last calendar day of the Interest Period.

3. Balance Information. *The minimum balances required to open each account are set forth above. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

4. Accrual of Interest. Interest begins to accrue on cash and noncash (e.g. checks) deposits on the business day you make the deposit to your account.

5. Transaction Limitations. After your account is opened, you may not make additional deposits to your account until after the maturity date.

6. Maturity. Your account will mature within the term set forth above or the maturity date set forth on your Account Receipt or Renewal Notice.

7. Early Withdrawal Penalty. Partial withdrawals are not allowed and a penalty will be imposed if you withdraw the principal before the maturity date. Interest may be withdrawn before the maturity date without penalty, however if the account is compounded, the APY will be reduced.
a. Amount of Penalty. The amount of the penalty for early withdrawal of the principal is based on the term of your account. The penalty schedule is as follows: Certificates 365 days or less--90 days interest; more than 365 days--180 days interest. The penalty is calculated as a forfeiture of part of the interest that has been earned on the account and is calculated on the original balance of the certificate on the opening or most recent rollover date. How the Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
b. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
c. IRA Accounts. You may designate Certificates with periods from 6 to 60 months as an IRA account; however all IRA limitations and withdrawal restrictions apply, specifically the 10% early withdrawal penalty if you are under 59 ½ years of age, refer to the Credit Union IRA Disclosure Statement in your IRA Trust Application Packet.

8. Renewal Policy. Your account will automatically renew for another term upon maturity at the then current interest rate. You have a grace period of ten (10) days after maturity in which to make deposits or withdrawals without being charged a penalty. If deposits or withdrawals are made during the grace period your APY may be effected. No interest will accrue after the maturity date if the account is not renewed. Your certificate will renew at the next shortest standard certificate term if your current certificate is not a standard term. The standard certificate terms are 3, 6, 12, 18, 24, 30, 36, 48, and 60 months. For example, a 13-month certificate will automatically renew for 12 months at the current 12-month dividend rate and APY. Except the 5-month certificates will automatically renewal for 6 months at the current 6 month dividend rate and APY and the 22-month bump-up certificates will automatically renewal for 24 months at the current 24-month dividend rate and APY. In addition, 30 month bump certificate will renew as a regular 30 month certificate.

9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union.

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at 588-0181, ext. 3811 or 1-800-688-0181.
Product Dividend Rate APY Service Fees
SavingsMinimum Balance to Earn Dividends $100.
Share Savings .10% .10% $100 Minimum Balance to Avoid Service Fee
Market Investor$1,000 minimum opening balance and minimum to earn dividends.
$0- $9,999 .20% .20% N/A
$10,000 - $24,999 .25% .25% N/A
$25,000 - $49,999 .30% .30% N/A
$50,000 - $99,999 .35% .35% N/A
$100,000 - $249,999 .40% .40% N/A
$250,000 and above .45% .45% N/A
Basic Business Checking$100 minimum opening balance. Monthly transaction fee: 50 checks and deposits free, $0.15 each thereafter.
Basic Business Checking N/A N/A N/A
Business Checking$100 minimum opening balance. Monthly transaction fee: 75 checks and deposits free, $0.15 each thereafter. $1,500 minimum balance to avoid service fee and earn dividends.
$1,500 - $9,999 .15% .15% 7.50*
$10,000 - $24,999 .20% .20% 7.50*
$25,000 - $49,999 .25% .25% 7.50*
$50,000 - $99,999 .30% .30% 7.50*
$100,000 or more .40% .40% 7.50*
Business Plus Checking$100 minimum opening balance. Monthly sevice fee $150, $2,500 minimum daily balance to earn dividends, and no transaction fees.
Business Plus Checking 0.25% 0.25% $150.00

These rates are effective as of November 1, 2010. and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

All loans are subject to a $60 loan origination fee and a $10 membership fee if borrower is not already a member.

Fixed rates include a 0.50% rate reduction for automatic payment from a Maps Checking account. Rate will be increased 0.25% if payment is not from a Maps Checking account. Rate will be increased 0.50% if payment is not automated. Floor rate of 4.74% applicable to all discounts.

* Purchase price must be greater than $30,000 to qualify for 84 month financing with approved credit; rate may be higher with 84 month financing.

Repayment Terms APR Loan to Value
Home Equity Line of Credit HELOC Owner-Occupied. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.00% - 7.50% APR* up to 90% LTV
Home Equity LOC Fixed for Five HELOC Owner-Occupied. Interest rate is fixed for the first 5 years, thereafter variable rate* may adjust quarterly. Payment based on balance. $25.00 annual fee assessed January of each year. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
10 year draw & 15 year repay 4.75% - 9.99% APR* up to 90% LTV
Fixed for Five Home Equity Loan The interest rate is fixed for the first 5 years, thereafter the variable rate* may adjust quarterly. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs. Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment term. The variable APR may adjust quarterly based on Wall Street Prime plus or minus a margin. Minimum APR 4%. Maximum APR 18%.
Up to 20 year repay 3.99 - 7.99% APR* up to 90% LTV
Fixed Rate Home Equity Loan Fixed Rate Lump Sum Owner-Occupied. Rate includes .25% reduction for auto pay from Maps checking account. Borrower pays closing costs.
Up to 10 year repay 6.00% - 10.375% APR up to 90% LTV
Up to 20 year repay 6.25% - 10.625% APR up to 90% LTV

These rates are effective as of October 1, 2010 and are subject to change at any time. Please call 503.588.0181 for the most up-to-date rate information.

Offering Rates may change at any time. Other terms and conditions may apply. Minimum draw amount at closing: $10,000. Appraisals required. Cancellation fee of $500 if loan is paid off and closed in less than 36 months and Maps paid any portion of the closing costs. Cancellation fee of $250 if loan is paid off and closed in less than 12 months and borrower paid all closing costs. Flood search cost: $10. Estimated recording cost: $86-96. Estimated title insurance or property report cost: $85 - $1300. Total estimated costs will vary based on individual loan.

* Annual Percentage Rate (APR) and maximum loan amount will be based on your credit qualifications, loan to value ratio, and repayment
term. The variable APR may adjust quarterly based on Wall Street Prime (currently 3.25%) plus or minus a margin. Minimum APR: 4%. Maximum APR: 18%.

Product APR
Visa
Platinum Points Visa 9.90% APR on purchases
Platinum Visa 9.90% APR to 17.90% on purchases

Product Dividend Rate APY Service Fees
SavingsMinimum Balance to Earn Dividends $100.
Share Savings .10% .10% $100 Minimum Balance to Avoid Service Fee
Market Investor$1,000 minimum opening balance and minimum to earn dividends.
$0- $9,999 .20% .20% N/A
$10,000 - $24,999 .25% .25% N/A
$25,000 - $49,999 .30% .30% N/A
$50,000 - $99,999 .35% .35% N/A
$100,000 - $249,999 .40% .40% N/A
$250,000 and above .45% .45% N/A
Basic Business Checking$100 minimum opening balance. Monthly transaction fee: 50 checks and deposits free, $0.15 each thereafter.
Basic Business Checking N/A N/A N/A
Business Checking$100 minimum opening balance. Monthly transaction fee: 75 checks and deposits free, $0.15 each thereafter. $1,500 minimum balance to avoid service fee and earn dividends.
$1,500 - $9,999 .15% .15% 7.50*
$10,000 - $24,999 .20% .20% 7.50*
$25,000 - $49,999 .25% .25% 7.50*
$50,000 - $99,999 .30% .30% 7.50*
$100,000 or more .40% .40% 7.50*
Business Plus Checking$100 minimum opening balance. Monthly sevice fee $150, $2,500 minimum daily balance to earn dividends, and no transaction fees.
Business Plus Checking 0.25% 0.25% $150.00

These rates are effective as of November 1, 2010 and are subject to change at anytime. Please call 503.588.0181 for the most up-to-date rate information.

Fee Schedule

Rate Disclosures

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

1. Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *Free Community interest will be donated by Maps on behalf of our members to designated non-profits and will not be deposited into member’s accounts. For tiered rate accounts, dividends are paid on the entire account balance at the dividend rate disclosed for the account balance tier.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.

3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend- bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.

4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. For Share Savings the dividends are calculated and the minimum balances required to earn dividends or to avoid a service fee (where applicable) are determined by the average daily balance method. The average daily balance is calculated by adding the balance in the account for each day of the month and dividing that figure by the number of days in the month. Dividends are then calculated by multiplying a daily periodic rate to the average daily principal balance in the account. If the average daily balance is not met for the month, the account will not earn dividends and may be subject to a service fee. For Market Investor and the Business Checking accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day. On Market Investor accounts, the daily balance to keep the account open is $100.

6. Account Limitations. For Market Investor accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or being closed. No limit on teller transactions.

7. Deposit Reclassification. Your checking and savings account shall consist of two subaccounts: (1) a transaction subaccount and (2) a non-transaction subaccount. We shall distribute your funds between these accounts in accordance with our deposit reclassification policy (which may be changed from time to time at our discretion without further notice to you). All of your account transactions will be posted to the transaction subaccount. The balances in the non-transaction subaccount will be transferred to the transaction subaccount as needed to meet your transactional needs in accordance with Federal Regulatory requirements. This process does not adversely impact your access to your funds held in either account. These subaccounts will be treated as a single account for purposes of deposits and withdrawals, access and information, statement reporting, and any fees or charges. There are no separate or additional balance requirements, fees, or charges associated with the creation of these subaccounts. If your account is a non-interest bearing account, neither the transaction subaccount nor the non-transaction subaccount will receive any interest. If your account is an interest-bearing account, both the transaction subaccount and the non-transaction subaccount will receive the same interest rate at all times, and your periodic statement will reflect a single blended Annual Percentage Yield (“APY”) and APY Earned.
 

Other Places to Visit

 
 
 

2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22