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Effective Wednesday, October 24, 2012

Rates are subject to change at any time. Eligibility requirements must be met in order to qualify for the Total Advantage Package rates shown below. All of the below listed rates are available to Tyco FCU Total Advantage Members who have Direct Deposit of Net-Pay and eStatements. Members without Direct Deposit of Net-Pay and eStatements do not qualify for the interest rate benefit. These members do not qualify for the 0.25 interest rate deduction on loans.

Checking Accounts
Dividend Rate/ Annual Percentage Yield
Checking0.00 / 0.00%No minimum deposit requirements
Savings
Dividend Rate/ Annual Percentage Yield
Savings Account (i.e. Primary, Emergency Fund)0.100 / 0.100%$50 minimum
Club Accounts (i.e. Holiday, Vacation)0.200 / 0.200%$1 minimum
Money Market0.200 / 0.200%$10,000 minimum balance. Effective 5/31/2011
Certificate- 6 months0.300 / 0.300%$500 minimum
Certificate - 12 months0.600 / 0.600%$500 minimum
Certificate - 18 months w/Bump-Up0.800 / 0.800%$500 minimum
Certificate - 24 months0.950 / 0.950%$500 minimum
Certificate - 30 months w/Bump-Up1.050 / 1.050%$500 minimum
Certificate - 36 months1.200 / 1.210%$500 minimum
IRA Accounts0.150 / 0.150%Any certificate can also be an IRA
Rates available to Tyco FCU Members only. Fees may reduce earnings on accounts, see fee schedule below for details. Rates subject to change after account is opened.

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

In accordance with the Dodd Frank Wall Street Reform and Consumer Protection Act, through December 31, 2012, all funds in ``non-interest bearing transaction accounts'' are insured in full by the National Credit Union Administration.

This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term ``non-interest bearing transaction account'' includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no dividend.

It does not include any transaction account that may earn dividends, such as a negotiable order of withdrawal (``NOW'') account, money market account, or Interest on Lawyers Trust Account (``IOLTA''), even if share drafts may be drawn on t

The temporary full insurance coverage of ``non-interest bearing transaction accounts'' expires on December 31, 2012.

After December 31, 2012, funds in non-interest bearing transaction accounts will be insured under the NCUA's general share insurance rules, subject to the Standard Maximum Share Insurance Amount of $250,000.
For more information about NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.
Loans
Annual Percentage Rate
Visa Credit Card9.88% - 17.75%Visa Elite, Visa Rewards
Personal Loan (Unsecured)Start at 17.50%Consolidate debt
Secured LoanStart at 4.00%
Auto: New/Used or RefinanceAs low as 1.99%New: up to 72 months; Used: up to 60 months
Motorcycle: New/UsedStart at 3.50% Up to 60 months
Recreational Vehicle (RV)/Motorhome: NewStart at 3.50%Up to 60 months
RVs and Campers: UsedStart at 12.00%Up to 60 months
Boat Loans: NewStart at 3.75%Up to 60 months
Boat Loans: UsedStart at 12.00%Up to 60 months
Home Equity Line of CreditAs low as 3.99%15 years
Tax Advantaged Auto LoanStart at 2.99%Possible Federal tax advantages*
Tax Advantaged VisaStart at 9.88%Possible Federal tax advantages*
Home MortgageClick Here* ask your personal banker for more details if you are a home owner.
Rates available to Tyco FCU Members only. APR subject to change at any time without notice. Rates quoted are lowest rates for qualified applicants. Term restrictions may apply based on underwriting criteria.
Eligibility requirements must be met in order to qualify for the Total Advantage Package loan rates shown above. To qualify for TAP you must have Direct Deposit of net-pay and eStatements only.
Tyco FCU has many loan options available for our members depending on your situation. These include New and Used loans, Title Loans, and our exclusive Tax Advantage Auto Loan for Homeowners* programs. Call your Personal Banker today for details.
Rates are subject to change at any time. Eligibility requirements must be met in order to qualify for the Total Advantage Package rates shown above. All of the above listed rates are available to Tyco FCU Total Advantage Members who have Direct Deposit of Net-Pay and eStatements. Members without Direct Deposit of Net-Pay and eStatements do not qualify for the dividend and interest rate benefit. These members will receive a 0.25 basis point reduction on all published dividend rates and do not qualify for the 0.25 interest rate deduction on loans.
Fees
Effective May 1, 2011
ACCOUNT SERVICE FEES------------------------------------------------------------------------------
Membership Fee$1.00Free in conjunction with event
Checking Account Service$3.00 per monthWaived with loan balance
Paper Statement$5.00 per statementFree Online
Telephone Transaction/Balance Inquiry$5.00$1 with TAP, Free online and through call center
Statement Copy / History Printout$5.00 per statementFree Online
Check Copy$5.00Free Online
Bill Payment Service$1.00 per paymentFree with TAP
Overdraft Transfer from Shares$2.00Free overdraft transfers from loans
Account Research (1/2 hour minimum)$40.00 per hour
Return Deposit Item$15.00
NSF Item Returned/Paid by Credit Union$28.00
Savings Below Minimum Balance$10.00 per month
Stop Payment - Origination / Cancellation$20.00 per item$10.00 online with TAP except bill pay stop payments
Business Account$10.00 per month
IRA Annual Fee$15.00 per plan$5.00 with TAP
Club Account Early Closure$5.00
DEBIT CARD SERVICE FEES------------------------------------------------------------------------------
Visa / Debit Card International Assessment Fee1.00%
Debit Card Replacement$15.00Free with TAP
Annual Debit / ATM Card$15.00Free with TAP
PIN Reissue$5.00Free with TAP
ATM Cash Withdrawals$1.0010 Free per month
ATM Deposit Adjustment$10.00
Empty ATM Deposit Envelope$30.00
MISCELLANEOUS FEES------------------------------------------------------------------------------
Payroll Advance$20.00$10.00 with TAP
Skip-a-payment / Seasonal$25.00Free with TAP
Outgoing Wire Transfer - Domestic$25.00$15.00 with TAP
Outgoing Wire Transfer - International$30.00$25.00 with TAP
Signature Gurantee$10.00Free with TAP
Notary Public$10.00Free with TAP
ACH Origination Debit Setup$1.00
Re-open Account$15.00$5.00 with TAP
Early Account Closure (within 90 days)$5.00
Coin Deposits$2.00 per deposit$1.00 with TAP
Mailed Receipts$2.00$1.00 with TAP
Express / Rush / Overnight Mail$10.00Free with TAP
IRS Levy / State Order to Withhold$20.00 per item$10.00 with TAP
Locator Fee$20.00 per 1/2 hour
Bad Address$5.00
Immigration & Naturalization Service$5.00Free with TAP
Bill Payment Service - Overnight Paper Statement$30.00$15.00 with TAP
Bill Payment Service - Same Day Electronic Payment$20.00$10.00 with TAP
Collections - Incoming / Outgoing$15.00Free with TAP
Verification of Deposit$20.00$10.00 with TAP
Third Party Checks (member not maker)$10.00
Excessive in Branch Withdrawals$3 per withdrawal per week
Temporary Checks$5.00 Free with TAP and new checking
Certified Check$10.00 per itemFree with TAP
Teller Check (Official / Cashier's Check)$5.00 per item$3.00 with TAP
Fees Subject to Change.