Checking Accounts

1.Fire Rewards Checking is a variable rate share draft account that provides rewards including paying increased dividends and providing limited ATM fee reimbursements if minimum qualifications are met during the month. Current rewards are available online in our lobbies or by calling the credit union. The credit union has the right to modify or cancel qualifications or rewards at any time. Rate Information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded and credited to your account every month. If you close your account before dividends are paid you will receive the accrued dividends. Dividend period - For this account type the dividend period is monthly for example the beginning date of the first dividend period of the calendar year is January 1 and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements - No minimum balance requirements apply to this account. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (like checks) to your account. Qualifications - Current criteria to earn rewards include:  1. Have at least 10 signature debit or credit card transactions post to the membership account during the dividend period. This only includes transactions not authorized by a PIN. Transactions may take up to several days to post to the account after authorization. 2. Be enrolled in e-Statements for the dividend period. 3. Log into digital banking at least once during the dividend period. 4. Receive at least one direct deposit (ACH deposit) into your membership account during the dividend period. 5. Have a valid email address, valid physical address, and valid phone number on file.

2. APY = Annual Percentage Yield.

3. Early availability of ACH deposits, including direct deposit, are subject to the timing of the payer’s submission of deposits. As a benefit to you we generally credit such deposits to your account on the day that we receive notification of them, which may be several days earlier than the scheduled payment date. Exceptions may apply.

4. You must purchase the new item(s) entirely with your Embers Card and/or accumulated points from your covered card for yourself or to give as a gift in order for Extended Warranty & Satisfaction Guarantee benefits to be valid. Airport Concierge Benefits are provided to you, the accountholder, at no additional charge. Non-insurance services may have associated costs, which will be your responsibility (for example, legal referrals are free, but the lawyer’s fee is your responsibility). The insurance benefits are provided under a group policy issued by New Hampshire Insurance Company, an AIG company.