Individual Retirement Account (Suffix 020)
Contributions to your IRA aren't treated as income for tax purposes until you withdraw the funds from your IRA.  When you couple this advantage with the fact that no taxes are changed on the interest
your IRA accumulates until after you draw on account, it's easy to see why IRAs are so popular.

Christmas, Vacation, & Club 55 (Suffix 050,051, 055)
Our club accounts are an excellent way to save money for holiday shopping and vacation expenses.  Regular Contributions and a competitive dividend help your money grow quickly.
Minimum Balance:  $0.00

Savings & Investments is a great place to find consumer information and helpful savings and investment tips.

Penalty applies for early withdrawal
Click here to view Disclosure Information

Features of the New Free Checking Account

• Really Free: No hidden charges or gimmicks (but, other “normal” credit union charges may apply: ATM, stop-pay, NSF, $1.50 to view checks on-line, etc.)
• Only $25 to open account, thereafter, no minimum balance requirement
• Truncated account. Neither cancelled checks nor images returned with statements
• No Monthly Service Charge
• No Activity or Transaction Fees
• Initial check order is free, up to 24 checks
• Non interest bearing account
• Only ATM card is available
• $400 Overdraft Privilege Limit - AFTER 30 day waiting period for new accounts AND minimum aggregate deposits of $400 per month

Features of the Regular Checking Account

• $3.00 monthly service fee. Waived if daily balance is $300 or greater or if the account regularly receives direct deposits of Net Pay, Social Security or Pension distributions. (other “normal” credit union charges may apply: ATM, stop-pay, NSF, $1.50 to view checks on-line, etc.)
• No minimum to open accountTruncated account. Neither cancelled checks nor images returned with statements
• No Monthly Service Charge
• No Activity or Transaction Fees
• Initial check order is free, up to 12 checks
• Non interest bearing account
• MasterMoney Debit card is available
• Up to $700 Overdraft Privilege Limit - AFTER 30 day waiting period for new accounts AND minimum aggregate deposits of $400 per month

CONSIDER-HAVE YOU EVER

• Made a mistake in your checkbook?
• Forgotten to record a deposit? A purchase? A withdrawal? A check order?
• Had to "guess" at what transactions a joint owner has made?
• Had a transaction denied or turned down at checkout?
• Had the embarrassment and expense of a returned check?

WE CANNOT PROMISE OR GUARANTEE THESE THINGS WILL NEVER HAPPEN. BUT WHAT WE CAN DO IS CONSIDER

OOPS! Occasional Overdraft Privilege Service
YOU DESERVE CONDERATION...

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned OOPS! Limit.

You do not have to apply for this service and you do not need to sign any additional documents for this service. It is already a part of your checking/draft Deposit Account Agreement with us. With some exceptions, most of our checking/draft account types, and individual accounts are eligible for this service. See "Ineligible Accounts", "Eligible Account Types"; and "Eligible Transaction Types" below.

If you do not use the OOPS! Service it costs you NOTHING. "Use" means you initiate insufficient funds transactions.

if you do not use the OOPS! Service you WILL be charged our customary fees set out below.

OOPS! CAN MEAN

• You may avoid high charges from merchants for returned checks.
• You may avoid the embarrassment and inconvenience of denied purchases and dishonored checks.
• Payment of your occasional and inadvertent overdrafts up to your assigned OOPS! Limit of $400 will normally be considered. These limits include our customary fees set out below. Our fees will be added to any outstanding overdrafts you may have and will be applied against your OOPS limit.

If you have any questions concerning the OOPS Service please contact a Member Service Representative at (734) 484-5100 or (734) 961-0506.

RESTRICTIONS DO APPLY, and you should read the Overdraft Privilege Policy (Service Description).

Overdraft Privilege is another good service from, and another good reason for being a member of Ypsilanti Area Federal Credit Union. If you have any questions, please call or visit your local branch office.

We appreciate your business and having you as a member is very important to us.