Rate and Fee Schedule

III. Rate Schedule - Savings and Checking Accounts
The rates and terms applicable to your account at the Credit Union are provided in this Rate Schedule. The Credit Union may offer other rates for these accounts from time to time.
Effective Date:	Savings Account	Club and Escrow Savings Account	Regular, Gold Crown, & Fresh Start Checking Account	Silver Money Market Account
DIVIDENDS Dividend Rate/Annual Percentage Yield	View Current Rates	View Current Rates	No Dividends Are Paid On This Account	View Current Rates
Dividends Compounded	Quarterly	Quarterly	---------	Quarterly
Dividends Credited	Quarterly	Quarterly	---------	Monthly
Dividend Period	Calendar Quarter	Calendar Quarter	---------	Calendar Month

BALANCE REQUIREMENTS
Minimum Opening Deposit	$50.00	---------	---------	$2000.00
Minimum Balance to Avoid a Service Fee	---------	---------	---------	---------
Minimum balance to Earn the Stated APY	$101.00	$101.00	---------	$2000.00
Balance Method	Daily Balance	Daily Balance	---------	Daily Balance
ACCOUNT LIMITATIONS See Section 6 above	Account Transfer and withdrawal limitations apply	Account Transfer and withdrawal limitations apply	---------	Account withdrawal limitations apply

IV. Rate Schedule Certificate Accounts
The rates and terms applicable to your account at the Credit Union are provided in this Rate Schedule. The Credit Union may offer other rates for these accounts from time to time.
Effective Date:
Certificate $2,500.00 Account		Certificate $500.00 Account
Minimum Opening Deposit	$2,500.00	Minimum Opening Deposit	$500.00
Dividends Compounded	Monthly	Dividends Compounded	Monthly
Dividends Credited	Monthly	Dividends Credited	Monthly
See current rates for certificate accounts
Additional Deposits	Not Allowed	Additional Deposits	Not Allowed
Withdrawals:	Allowed-Dividends Only	Withdrawals:	Allowed-Dividends Only
Renewable:	Not Automatic	Renewable:	Not Automatic

Akron Branch:
PO Box 1460
100 Wheeler St.
Akron, OH 44309-1460
Phone: (330) 376-3626

Salem Branch:
PO Box 226
1446 Franklin Ave.
Salem, OH 44460
Phone: (330) 332-8543

Effective 7/1/09

V. Fee Schedule
Credit Union Membership
Membership Share:	$50.00 par value
Membership Fee:	$5.00 per primary member, 18 years of age or older
Checking Account Fees
Gold Crown Checking Service Charge:	$5.75/month
Fresh Start Checking Service Charge	$10/00/month
Overdraft Fee:	$25.00/item
Overdraft Protection	$25.00/item
NSF Fee:	$25.00/item
Regular Check Printing Fee:	Price varies depending on style
Stop Payment Fee:	$25.00/item
Overdraft From Savings Fee:	$1.00/transaction
Check Copy Fee:	$2.70/item
Special Handling Fee:	$5.50/item
Counter Check Fee:	First 6 free, then $0.15/check
Gold Crown Checking Account Printing Fee:	Two boxes of designated style per year free. Prices vary for additional checks.
Silver Money Market Excessive Withdrawal Fee:	$9.00/withdrawal if more than three (3)/ month
Silver Money Market Less Than Minimum Withdrawal Fee:	$9.00/withdrawal if check amount is less than $250.00
Silver Money Market Inactive Account Fee:	$5.00 if balance is zero for 30 day period
IRA Accumulator Account Fees
IRA One Time Set-Up Fee:	$5.00
IRA Termination Fee:	$15.00/item
Certificate Account Fees
Certificate Dividends Check Fee	$.54/check if dividends mailed
Electronic Funds Transfer Fees
Thirty (30) ATM Transactions per month at Summit FCU's three ATMs without a charge
If a Transaction is Done at an ATM That Does NOT Assess a Surcharge - No Fee
ATM Withdrawal/Transfer Fee:	$.60/item
ATM Inquiry Fee:	$.60/item
ATM Deposit Fee:	$.60/item
ATM Transaction Research Fee:	$10.00/item
ATM Card Replacement Fee:	$8.00/item
International ATM/VISA Debit Card Transactions	1% of the transaction amount
Other Service Fees
Account Reconciliation Fee:	$5.00/half hour
Account Research Fee:	$5.00/half hour
Statement Copy Fee:	$1.00/Over-the-Counter $2.00/Mail and CALL-24 Request
Deposited Item Return Fee:	$30.00/item if member issue
Deposited Item Return Fee:	$10.00/item if 2nd party issue
Items Sent for Collection Fee:	$18.00/item
Wire Transfer (Incoming) Fee:	$5.00/transfer
Wire Transfer (Outgoing) Fee:	$20.00/transfer
Cashier Check Withdrawal: Payable to Member on Account Payable to Someone Other Than Member on Account	4 Free/month, then $3.00 per check $5.00/Check
Corporate Check Copy Fee:	$2.70/copy
Account Closed Through Mail Fee:	$.75
Telephone Withdrawal Fee:	$2.00/check
Telephone Transfer Fee:	$2.00/transfer
Account closure Fee:	$5.00 if closed within 90 days of opening
ACH Return Item Fee:	$25.00/item
ACH Stop Payment Fee:	$25.00/item
Returned Mail Fee:	$5.00/item
Inactive Membership Fee:	$2.00/Month after the account has been inactive for 12 months, unless the balance is a minimum of $1,000 or the member is less than 18 years of age.
Non-US Funds Handling Fee:	$24.00/item
Copy of In Office Receipt (Legitimate Transaction not in dispute)	$7.50 each
Fax: Local Call Long Distance Call	$1.00/Limit 3 Pages $2.00/Limit 3 Pages
Xerox Copies	First 2 free, then $0.25 each

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary 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 “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.