2. History of University credit union Established in 1947… could not find any other history on it…

3. Checking No monthly service charge. No minimum balance. Benefits; Only pay for purchase of personalized checks. VISA debit card with 24 hour access. Free overdraft protection using your savings. Carbonless copies of checks. Online account access. ATM access. Free check free bill payer. Balance your checkbook with MSMoney.

4. Saving Accounts Minimum of $5.00 at all times required. 0.05% rate and 0.05% APY. Benefits; Holiday Club & Vacation Savings Accounts; May use payroll deduction for regular deposits. Earn dividends. Fees may apply from early withdrawls. Up to 10 savings suffixes.

5. Saving Accounts Continued Non-Limited Transactions: Deposits ATM cash withdrawals and transfers (subject to the daily amount limits and sufficient available funds) Withdrawals made in person, by mail, or by messenger at a University Credit Union office Transfers made in person at a University Credit Union office Automatic transfers to repay your University Credit Union loan

6. Saving Accounts Continued Limited Transactions: Checks, point-of-sale (POS) transactions, or debit card purchases Automatic transfers to another deposit account at University Credit Union Automatic transfers to a third party or another institution Telephone transfers, including Automated Account Phone and those initiated by phone call, fax or e-mail through a Bank representative e*branch online banking transfers and Bill Payments

7. Personal Plan After reviewing all the possible services and credit cards; Receive a student loan using a Signature Fixed Loan with 9.2% APR at a max of $20,000. A checking account with a minimum of $0, no rates or APY. A shares deposit account with $5 minimum, 0.05% rate and APY.