Dupont Community Credit Union Just In! Page

Holiday Schedule for 2008

HOLIDAY DATE DAY OBSERVED

Memorial Day 05/26/08 Monday

Independence Day 07/04/08 Friday

Labor Day 09/01/08 Monday

Columbus Day 10/13/08 Monday

FEE AND SERVICE CHARGE POLICY:

The following schedule represents items or services that are not routine and usually causes additional expense for the Credit Union to perform or carry out. Effective November 20, 2007.

FEE TYPE                                                          FEE/SERVICE CHARGE
Fax Transmission                       Local - $.50 per sheet - Non-local - $1.00 per sheet
Certified Checks (Each)                                                                $ 2.00
Money Orders (Each)                                                                    $ 1.00
American Express Travelers Cheques (Individual)                     No fee
American Express Travelers Cheques (For Two)                        $ .50 per $100.00
Incoming Wire Transfer - Domestic (Business Accts. Only)       $5.00
Outgoing Wire Transfer - Domestic                                              $10.00
Incoming Wire Transfer - International (Business Accts. Only) $5.00
Outgoing Wire Transfer - International                                         $30.00
Share Draft - No Monthly Service Charge
Share Draft - Non-Sufficient Funds                                                $26.00
Stop Payment - Share Draft or ACH                                              $26.00

Share Draft - Copy                                                                           $ 1.00
Check Return Item on DCCU Payments                                        $26.00
Check Return Item Charge (Items Deposited)
                 Business Accounts Only                                                 $10.00
Certified Mail Fee                                                                           $ 7.00
Photocopy - Per item                                                                        $ .25
Research Time - Per hour or any part thereof over
                over 1/2 hour                                                                    $10.00 Note #1
Account Reconciliation - Per hour                                                  $10.00 Note #1
Reissue MasterCard/Visa/Visa Check Card - Lost,
               Stolen, Damaged or reissued due to card
               cancellation                                                                       $10.00
Credit Card (MasterCard/Visa) - Late Payment                           $10.00
Credit Card (MasterCard/Visa) - Over Limit                                $10.00
Loan Late Charge 5% of Payment Amount or minimum of          $ 5.00
Bond Coupon - Deposit Fee                                                            $17.50
Share Account Closing within 30 days of opening                          $10.00
Reissue ATM Card - Lost, Stolen or Damaged                             $ 2.00
Reissue VISA Check Card from same account -
             (Other than lost, stolen, damaged or canceled)                 $ 2.00
ACH Electronic Funds Transfer -
               (One time or occasional use)                                            $ 5.00
ACH Recurring Electronic Transfers                                             $    .50
(Send money regularly at set times - Member signs agreement form)

Account Garnishment/Levy fee                                                      $25.00
Return Statement Fee                                                                     $ 5.00
Car Fax                                                                                            $12.00
Temporary Auto Lien                                                                     $10.00
Loan Payment Extension                                                                $15.00
Loan Rate Modification Fee:

Per month fee, plus applicable research fee                                   $1.00
Overnight Mail Service                                                                   Cost
Proprietary ATM Surcharge (Non-member)                                  $2.00
DCCU Online Bill Pay Fee Over 15                                               $ .50 per item
Fees may change as needed at the discretion of the Board of Directors.

NOTE #1 -    After research and/or account reconciliation has taken place and the problem resulted from an error created by the Credit Union, these fees will be waived.

EARLY REDEMPTION PENALTY ON CERTIFICATES OF DEPOSIT:
Federal Regulation D, Section 2-135, requires financial institutions to have written
policies if certificate funds are withdrawn prior to their maturity. SUBSTANTIAL PENALTIES, as follows, represent the policy of Dupont Community Credit Union
on certificates redeemed prior to their maturity.
1)     If the certificate term is for one (1) year or less, the penalty is the forfeiture
        of thirty (30) days interest.
2)     If the certificate term is greater than one (1) year, the penalty is the forfeiture
        of ninety (90) days interest.
3)     Except, if the certificate is withdrawn or redeemed within the first six (6) days,
        the forfeiture of seven (7) days interest is required, per Federal Regulation D,
        Section 2-135.

Each certificate upon maturity will automatically be renewed for the same period, at
the rate of interest being paid by the Credit Union, on the date of renewal, unless written instructions are received by the Credit Union to do otherwise, prior to the
maturity date.

Please make a note of these changes to our fees for future reference.

50 State Quarter Sets
The quarter collection set contains two uncirculated quarters; one from the Denver (D) mint and one from the Philadelphia (P) mint. Historical data and interesting facts are included with each quarter set.

The coins are issued in the sequence that the state became part of the United States of America, and additional state quarters are minted approximately every 10 weeks.

Truth in Savings: Deposit Wisely
Not all savings accounts are created equal. Account fees, dividend/interest rates, and services may vary from one institution to another. But comparing accounts is possible thanks to Truth in Savings (TIS) legislation, which requires financial institutions to disclose all account terms and conditions. And that includes fees, minimum balance requirements, and annual percentage yield (APY) - information you need to start shopping.

APY gives you a good picture of your potential earnings based on dividend or interest rate and frequency of compounding. APY is the amount of money you'd earn on $100 - if the money stays there for a full 365-day year. So if the advertised APY is 2.5%, that means you'd earn $2.50 annually for every $100 on deposit.

APY, along with answers to the following questions, can help you do and apples-to-apples rate comparison:

* What is the minimum balance required to earn dividends/interest?

* Are tiered rates offered? Tiered rates apply to different balance amounts. For example, balances up to $10,000 or less may earn 1.00% and balances more than $10,000 may earn 1.25%.

* When does your money start earning dividends or interest? If an institution pays the day you deposit money into your account, you're earning on your ledger balance. If it waits until a deposited share draft or check clears before it starts paying, you're earning on your collected balance.

* How often is the interest compounded? Accounts commonly compound on a quarterly or monthly basis.

As far as fees go, check for these common charges:

* Is there a charge if your balance falls below a required minimum?

* Is there a fee for closing the savings account soon after it's opened?

* Is there a monthly maintenance fee?

The Consumer Federation of America and the Credit Union National Association conducted a 1999 survey that shows credit unions don't charge as many fees as banks, and when they do charge, credit union fees typically are lower than those at banks. So stop in or call us to check out our savings options - with favorable rates and terms.