SAVINGS ACCOUNTS

4 TYPES OF SAVINGS (SHARE) ACCOUNTS

1. REGULAR SAVINGS: in order to have any other kind of account with us, and in order to be a member, you must have a regular savings account. After you open a regular account you may add one or two signers to your account (joint account). However, only one person on the account is considered a MEMBER of the CU. If your account is NOT joint, you may designate a BENEFICIARY.

2. SAVINGS SIMPLIFIER (sub-accounts): sort, separate and organize up to 9 savings accounts for various goals & needs, such as car repairs, vacations, taxes, insurances, tuition, down payments. All appear on ONE statement.

3. TRUST ACCOUNT: e.g., Fran Feminist As Trustee For Maria Madre

4. GIFT TO MINORS: the money is the minor's, you are a custodian; the taxpayer ID# is the minor's, e.g., Fran Feminist, Custodian for Mary Minor under Uniform Gift to Minors Act

LIMITATIONS:

we neither give nor accept cash;
we've no checking accounts, debit cards, ATMs, money orders, travelers' checks, certificates, IRAs.

ONLY:

One location; short hours;
Two withdrawals per month.

These restrictions make Cal Feminist a good place to store long-term savings. We suggest you keep emergency funds elsewhere.

5. DO YOU FIND IT DIFFICULT TO SAVE MONEY OR WOULD YOU LIKE TO SAVE MORE? Visit the Plan it. Save 4 it Web site.

6. Truth-In-Savings Disclosure (including fees that may be charged to your savings account)

7. Savings Rates

8. How to Open Savings Account

9. How to Withdraw

Your savings federally insured to at least $100,000 & backed by the full faith & credit of the US Government NCUA

National Credit Union Administration, a US Government Agency