Kitsap Credit Union Membership

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1 Membership Benefits

2

3 Kitsap Credit Union Membership Kitsap Credit Union is your local, not for profit financial co-op. As a co-op, we work towards the best interest of our members. Since 1934 we ve been helping your friends, neighbors, and communities meet their financial goals, and we d like to help you with yours. Kitsap Credit Union members benefit from a full range of financial products and services including free online and mobile banking, personal relationships over the phone, online chat, or through our branches in Kitsap, Jefferson, North Mason, and Northwestern Pierce Counties. Joining is easy. Open your membership account today by visiting kitsapcu.org, calling (800) , or by visiting a branch in your area. Membership eligibility is open to all those who live or work in Washington State. Elliot Gregg President/CEO

4 Accessing Your Account Kitsap Credit Union provides quick and easy access to your account whether you re at home or on the go. Free Mobile Banking, Android and iphone apps, and text banking Free Online Banking Free Online E-Statements Free Bill Pay Service Free 24-hour Automated Telephone Service Nationwide ATM Access through the Credit Union Co-op Network Products And Services Checking We offer a variety of checking accounts that provide easy access, convenience and security. All designed to exceed your expectations with: Low $25 opening deposit No monthly service charge No minimum balance requirement Premier Club 1 A special package of benefits featuring a variety of discounts and services for members 50 and better. For a low $15 annually, Premier Club members enjoy a variety of discounts and services, including: One free box of Premier Club Checks per year Up to ten free money orders per month 50% off on 3X5 safe deposit boxes Ask a representative to sign up, or for details on other available discounts.

5 Choose The Right Checking For You Classic Varsity 2 Gold 3 Pays Dividends High Dividends x x Bill Pay Free Free Free Mobile Access Free Free Free Visa Debit 2 Free Free Free ATM Fee Refunds x Check Writing Unlimited Unlimited Unilimited Free Duplicate Checks 1 st Box

6 Savings Accounts Ensure a safe haven for your funds, with protection provided by the National Credit Union Share Insurance Fund. ATM Card We offer 24-hour access to your account with a Kitsap Credit Union ATM Card. Use it to get instant cash, make deposits to your account at any of our depository ATMs, and to verify balances. Investment Planning LPL Financial is a registered broker/dealer and member of the FINRA/SIPC. Registered Representatives of LPL Financial can provide you with advice and guidance in: Cash Management Retirement Planning Asset Allocation Estate Planning Insurance Review With products such as: Mutual Funds Real Estate Investment Trusts (REITs) Annuities Stocks and Bonds Not NCUA Insured No Credit Union Guarantee May lose value

7 No Risk, Insured Savings Programs 4 Minimum Balance Daily Balance To Earn Dividends Savings Accounts $5 $25 Kids Club 2 $5 $5 Certificates of Deposit 5 $500 $500 Youth Saver $100 $100 6 Month Jumbo $50,000 $50,000 1 Year Jumbo $100,000 $100,000 Money Market $1,000 $1,000 Traditional IRA $5 $5 Roth IRA $5 $5

8 Lending Services We recognize the diversity of our member s financial needs. That s why we ve designed a variety of competitive rate loans to help meet your needs. Unsecured Loans (without collateral) Visa Credit Cards Signature Loans Overdraft Line of Credit Personal Line of Credit New and Used Vehicle Loans Cars and Trucks ATVs, Trailers, Boats Motorcycles Home Equities and Lines of Credit Fee Free Fixed Rate Mortgages Adjustable Rate Mortgages Home Loans 6 Fixed Rate Mortgages Adjustable Rate Mortgages Conventional, Purchase and Refinance, FHA, VA, First Time Buyer, Jumbo Commercial Lending Office Facilities Retail Spaces Multi Family Units

9 The Right Credit Card For Your Wallet Visa Classic Gold 7 Platinum Annual Percentage Rate 17.90% 13.00% 6.15% (variable) 9.90% Annual Fee $0 $0 $0 $0 Balance Transfer Fee Cash Advance Fee Free Travel Accident Insurance Roadside Dispatch Up to $150,000 $0 $0 $0 $0 $0 $0 $0 $0 Up to $150,000 Up to $400,000 Up to $400,000 x

10 Make The Switch To KCU Open Your Account Online at kitsapcu.org, call (800) , or visit one of our branches. Switch Your Direct Deposit Share KCU s routing number, and your new account number with your employer or anyone else who automatically deposits money into your account. Start Online Enjoy the extra security, organization, and time savings with our free online bill pay and online statements. Enroll at kitsapcu.org. Switch Your Automatic Withdrawals Share KCU s routing number, and your new account number with your billers. Or use your new online bill pay to replace your automatic withdrawals. Close Your Previous Account Once your direct deposit begins, your last check has cleared, and you have completed the items above, then close your previous account.

11 1. Premier Club membership available on personal accounts only and not available on business, Doing Business As (DBA), or Association accounts. One Premier Club account association per person. 2. Parental co-owner required if under age Gold rate paid on balances between one penny and $10,000, and stated rate paid on the portion of the balances above $10,000 each cycle the qualifications are met. Up to $25 in ATM fee refunds nationwide each cycle qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning the Base Rate; however, it will not receive ATM fee refunds for that time period. Rates are subject to change. Minimum to open account is $25. No minimum balance required and no monthly service charge. Available to personal accounts only. Gold Checking accounts are limited to one per Taxpayer Identification Number (Social Security Number, Individual Taxpayer Identification Number). 4. All of the savings programs described in this brochure are federally insured by the National Credit Union Share Insurance Fund subject to NCUSIF rules. No more than six transfers or withdrawals during any statement period to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order. 5. Certificates automatically renew on maturity, unless you direct otherwise. Penalty may apply for early withdrawal. 6. Home loans are provided by partnership with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS # This is not an offer to extend consumer credit as defined by section of Regulation Z. 7. Variable interest rate based on US Prime Rate published in the Wall Street Journal Money Rates section on the Friday preceding the 27th of each March, June, September and December. Plus a margin of 2.90%. Conditions and rates effective January 1, Federally insured by NCUA Equal Housing Lender

12 Kitsap Credit Union P.O. Box 990, Bremerton, WA (800) kitsapcu.org 03/14

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