Hawaii County Employee Federal Credit Union

Share Accounts

The rates, fees and terms applicable to your account at the Credit Union are provided in this Rate and Fee Schedule. The Credit Union may offer other rates for these accounts from time to time.

Effective Date: December 1, 2009

i	Regular Share Account	Sub-Account Share Account	Money Market Share Account	Christmas Club Share Account	IRA Share Account	Share Draft Account
DIVIDENDS AnnualPercentageRate (APR)/ Annual Percentage Yield (APY)	0.50% APR 0.50% APY	0.50% APR 0.50% APY	1.25% APR 1.26% APY	1.00% APR 1.00% APY	1.25% APR 1.26% APY	0.25%APR 0.25% APY
Dividends Compounded	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividend Period	Calendar Month	Calendar Month	Calendar Month	Calendar Month	Calendar Month	Calendar Month
BALANCE REQUIREMENTS
Minimum Opening Deposit	$50.00	--	$2,500.00	--	--	$50.00
Minimum Balance to Avoid a Service Fee	--	--	--	--	--	--
Minimum Balance to Earn the Stated APY	$50.00	$50.00	$2,500.00	--	--	--
Balance Method	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance
ACCOUNT LIMITATIONS See Section 6 below.	Account transfer limitations apply.	Account transfer limitations apply.	Account transfer limitations apply.	Account transfer and withdrawl limitations apply.	Account transfer limitations apply.	--

1. Rate Information.

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 all accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union'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. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

3. Dividend Compounding and Crediting.

The compounding and crediting of dividends and dividend period applicable to each account are set forth in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends.

For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the day the Credit Union receives provisional credit. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information.

The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Regular Share accounts, a Sub Account Share Account there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum average daily balance is not met, you will not earn the stated Annual Percentage Yield. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.

6. Account Limitations.

For Regular Share, Sub-Account Share, Money Market Share, Christmas Club, and IRA Share 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 account may be subject to a fee or be closed. For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after October 1 and the account will remain open. You may be charged a withdrawl fee of $5.00 for each withdrawl from the account. For Share Draft accounts, no account limitations apply.

Fee Schedule


Share Account Fees
Christmas Club Account Early Withdrawal fee:	$5.00 per withdrawal

Share Draft Account Fees
Overdraft/Transfer fee:	$2.00 per item
Return Item fee:	$10.00 per item
Stop Payment fee:	$3.00 per request
Share Draft Printing fee:	Prices may vary depending upon style
Postdated Item Request fee:	$3.00 per request
Copy of Processed Draft fee:	$1.00 per copy

Other Service Fees (applicable to all accounts)
Account Reconciliation fee:	$30.00 per hour, minimum $15.00
Account Research fee:	$30.00 per hour, minimum $15.00
Deposited Item Return fee:	$10.00 per item
Items Sent for Collection fee:	Cost
Wire Transfer (incoming) fee:	$2.00 per transfer
Wire Transfer (outgoing) fee:	$10.00 per transfer
Travelers Check fee:	American Express no fee
Legal Process fee:	$30.00 per hour, minimum $15.00
Fax Transmission (incoming) fee:	No charge
Fax Transmission (outgoing) fee:	$1.00 per page, if over 5 pages
Photocopy fee:	$0.05 per copy
Tellers Check fee:	$1.00 per check if over 3 checks
ACH Return Item fee:	$10.00 per item
Safe Deposit Box Fee
Annual Rental Size:	Fee
5 x 5	$20.00
3 x 10	$20.00
5 x 10	$30.00
10 x 10	$35.00
Change of Lock:	$30.00
Drilling of Box:	Direct to Locksmith

Credit Union Membership
Membership Share:	$50.00 per value
Membership fee:	$1.00

The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.