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APY

Annual Percentage Yield


APR

Annual Percentage Rate


Business Plus Checking

Minimum daily balance of $100.00 required to open. Minimum daily balance of $1,500 to earn dividends and avoid $5.00 monthly maintenance fee. First 100 deposited items are free per month. Dividends compounded and paid monthly. Fees could reduce earnings.


Basic Business Checking

No minimum daily balance or monthly maintenance fee. First 50 deposited items are free per month. Dividends compounded and paid monthly.


Mobile Check Deposit

To use mobile deposit, all Blue accounts must be in good standing (no negative balances). The following limits apply:

Members with account opened 90 days or less (regardless of Rewards for Life status)

Members with accounts opened 91 days or more:


Business Money Market

Minimum daily balance of $1,000 required to earn dividends. Dividends compounded and paid monthly.


Business Term Share

Minimum to open and earn dividends $5,000. Dividends compounded and paid monthly. Penalty may be imposed for early withdrawal.


Business Savings

Minimum daily balance of $100.00 required to earn dividends. Dividends compounded and paid quarterly.


U.S. Patriot Act

USA Patriot Act and Credit Bureau Disclosure: Important information about opening a new account. Federal law requires that we obtain, verify, and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity. Please note that you will also be authorizing Blue Federal Credit Union to obtain a consumer credit report to evaluate your creditworthiness.


MasterCard Zero Liability

We won't hold you responsible for "unauthorized transactions." As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the phone, online or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if: (1) you have used reasonable care in protecting your card from loss or theft; and (2) you have promptly reported to your financial institution when you knew that your Mastercard was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you're protected by Zero Liability. Zero Liability does not apply to the following (or certain) Mastercard payment cards: Commercial cards, unregistered prepaid cards or gift cards. * Certain terms, conditions and exclusions may apply. For complete coverage, see MasterCard Guide to Benefits terms and conditions or call MasterCard at 1-800-MC-ASSIST (1-800-622-7747) for more information.


MoneyMover

Accounts must be open for at least 90 days in order to be eligible for outbound transfers using MoneyMover.


Skip-a-Payment

By opting for Skip-a-Payment, you request that Blue Federal Credit Union defer your loan payments as indicated. You agree and understand that: 1) Finance charges will continue to accrue at the rate provided for in your original loan agreement, during and after that time; 2) deferring your next payment will result in your having to pay higher total finance charges than if you made your payments as originally scheduled; 3) this payment deferral will extend your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off per your original loan terms; and 4) you will be required to resume your regular monthly payments in the following month. If you previously elected to purchase any GAP or insurance products on this loan, coverage will not be extended beyond the original maturity date. Skip-a-Payment request subject to a $40.00 loan extension fee. Three (3) consecutive monthly payments must have been made to the loan and your loan(s) must be in good standing at the time you choose to accept this offer. Loan extensions of any kind are limited to three per calendar year and eight over the life of the loan and all deferrals are subject to Blue Federal Credit Union approval. Real estate, credit card, short term and line-of-credit loans are not eligible. If your loan payment is deducted from another financial institution, we must receive notice 15 days prior to the due date to suspend that payment for one month. Additional restrictions may apply.


Personal Loan

Fixed rates as low as 7.99% and are subject to approval based on credit-worthiness, gross income and amount requested. Offered rates are subject to change without notice. Flexible repayment terms are available.


Student Loan

Sallie Mae manages the loan origination, disbursement and servicing of all Smart Option Student Loans. Credit eligibility applies to all applicants. No prepayment penalty.


Smart Loan

Smart Loan minimum loan amount $200.00. Member is eligible to borrow up to 30% of gross monthly income excluding overtime. This amount will be verified by a recent pay stub. Annual Percentage Rate (APR) is 18.00%. $20 application fee is due at the time of the application. Account must be in good standing. Terms available from 30 days up to 6 months. Only one Smart Loan is allowed per rolling 12 month period.


Shared Branches

* Not available on business accounts. Shared branching may not be available at all locations. Members may be charged additional fees at shared branch locations. Note: Business account transactions cannot be performed at a CO-OP Shared Branch location.


Investments at Blue

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Investments at Blue has contracted with CFS to make non-deposit investment products and services available to credit union members.


Credit Card

Annual Percentage Rate applies to purchases, cash advances, and balance transfers. Interest rates and card options vary based on member qualifications and MasterCard program. Your rate may be different based on individual credit worthiness and our underwriting standards.


HELOC

A Home Equity Line of Credit (HELOC), is a variable-rate loan subject to change quarterly and they are indexed to the prime rate. A Home Equity Line of Credit is a revolving line of credit secured by the equity in the home. Repayment period is up to 10 years, minimum monthly payment is 1% of balance or $100, whichever is greater. Monthly payments of interest will result in a balloon payment. Low closing costs. Consult your tax advisor for tax deduction eligibility. Rates subject to change without notice. Standard credit qualifications apply. Loans subject to final credit approval. Federally Insured by NCUA and an Equal Housing Lender. Membership is easy, just ask!


Holiday Loan

Members receive rates as low at 13.99% Annual Percentage Rate (APR) with direct deposit into a valid Blue FCU account and 16.99% APR without direct deposit. Member may borrow up to $1,500 based on net income. 12-month term only. One Holiday Loan per social security number. No prepayment penalty. Offer is available October 15, 2018 through December 31, 2018. Available for qualified borrows who are primary on the account, have been members in good standing for at least 90 days, been employed for at least 90 days, have a valid email address, valid physical address to complete application, and consent for a NON-REFUNDABLE $30 application fee. Must be current on all Blue FCU loans and have no delinquent accounts for the last 90 days. Must be 18 years of age or older to apply. A $30 NON-REFUNDABLE fee will be debited from your checking or savings account, or to be paid by check/cash in branch, regardless of approval of this application. Joint, business, trustee, conservatorships, and minor accounts are not eligible.


Auto Loan

Annual Percentage Rate may be obtained based on Sapphire Rewards for Life status, credit worthiness and applicable criteria during application.


Share & Supplemental Savings

Minimum daily balance of $25 required to earn dividends. Dividends compounded and paid quarterly.


Christmas Club

Minimum daily balance of $25.00 required to earn dividends. Maximum balance allowed of $5,000.00. Balances automatically pay out in October each year. Dividends compounded and paid quarterly. Penalty may be imposed for early withdrawal. Limit one per social security number.


Health Savings Account

No minimum balance required to open. Minimum daily balance of $25.00 required to earn dividends. Dividends compounded and paid quarterly. Check with your tax advisor on annual contribution limits.


30 Month Expandable

Additional deposits are permitted on the 30-month expandable term share account. IRA’s not eligible for the 30-month expandable.


Sky High Savings

Rate is effective July 16, 2018. Subject to change without notice. Dividends compounded and paid monthly. No minimum balance required to open. Minimum $25 to earn dividends. No maximum balance. Membership is easy, just ask! Insured by NCUA.


Tiered Money Market

Minimum daily balance of $1,000 is required to earn dividends. UNLIMITED transfers and withdrawals in person at any branch. Transfers to another account or to a third party by pre-authorized, automatic withdrawal, or telephone transfer are limited to six per statement cycle. If the balance drops below the minimum balance their funds will earn the current share savings rate. Dividends compounded and paid monthly. Rates are subject to change.


Ultra Money Market

Minimum daily balance of $2,500 is required to earn dividends. UNLIMITED transfers and withdrawals in person at any branch. Transfers to another account or to a third party by pre-authorized, automatic withdrawal, or telephone transfer are limited to six per statement cycle. If the balance drops below the minimum balance their funds will earn the current share savings rate. Dividends compounded and paid monthly. Rates are subject to change.


Term Share & IRA

Dividends compounded and paid monthly. Additional deposits only permitted on the 30 month expandable term share account and all IRA term shares. IRA maintenance fees apply. Penalty may be imposed for early withdrawal. Minimum to open and earn dividends $2,000. IRA’s not eligible for the 30mn expandable.


Basic Checking

Annual Percentage Yield. No minimum balance required to open. Available for individual accounts only. No monthly service charge.


uAccount Checking

Must be between ages 0 - 23, overdraft protection is not available on this account, debit card can be issued, must be enrolled in e-statements. 18 & under need adult co-owner. Non-dividend bearing account.


Accelerated Savings

Minimum daily balance of $25.00 required to earn dividends. Dividends compounded and paid monthly. Requires at least one monthly deposit (other than dividend). Limit one per social security number.


Extreme Checking

*Annual Percentage Yield (APY) is paid on the portion of the balance up to $15,000 if criteria are met, and 0.10% APY paid on the portion of the balance above $15,000 if criteria are met. No minimum balance required. Available to personal accounts only. No monthly service charge. ATM fee refunds up to $21 per cycle, $3 limit per transaction when criteria are met (does not include international ATM fees). Dividends are compounded and paid monthly. Criteria: (1) Enroll and receive electronic statement; (2) One Direct Deposit, ACH or Bill Pay must post and clear from your account during the qualification cycle; and (3) Ten (10) Debit Card Purchases (excludes ATM transactions) must Post and Clear your account during the qualification cycle. Limit one (1) Extreme Checking accounts per member. Membership is easy, just ask! Insured by NCUA.


Earn 5 Checking

No minimum balance required to open. Available for individual accounts only. No monthly service charge. Non-dividend bearing account. Each month, beginning with the 6th debit card transaction conducted on the Earn Five checking will earn $.05/transaction. Eligibility criteria must be met in order to qualify: (1) e-statement enrollment and (2) ACH credit to the account monthly. The maximum incentives to be paid is $25.