Online Banking Rates and Fees Rates Account APY** Regular Shares 0.30% 0.31% Christmas Club 0.00% 0.00% IRA/ROTH 1.05% 1.06% Share Certificate 0.30% No Compounding $2,500 minimum, 1 yr. Deposit In addition to mortgages, auto loans, and personal loans, WNCCCU offers Savings Accounts and Checking Accounts. All Checking Accounts come with a $300 Overdraft Line of Credit (LOC) for Overdraft Protection. Current Fees Service Fee Amount Returned Checks $25.00 Returned e-Payments (due to insufficient funds) $15.00 Any Stop Pays $15.00 Auto Share Transfer to cover overdrafts (Back office transfer that uses money from savings to cover transactions withdrawn from checking) $3.00 (No charge is overdraft LOC is used) Outgoing Wires $5.00 Incoming Wires $4.00 QUICK LINKS Rates & Fees About Us Contact Us Apply For A Loan Open A Savings Account Hours & Locations Login to Online Banking SEND US A MESSAGE Email * Message * *APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. **APY = Annual Percentage Yield. We provide links to third party partners, independent from . These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of WNC Community CU. Powered By: OMNICOMM NDER

Online Banking Share Draft Checking Overview The Share Draft Checking (SDC) Account is a non-interest bearing demand deposit account that provides members with a convenient source of handling their personal financial affairs. Requirements for opening a Share Draft Account: Must be a credit union member in good standing. At least one of the parties opening an SDC Account must be 18 years of age. Must have a share savings sccount. A minimum balance of $25 is required to open. Read More QUICK LINKS Rates & Fees About Us Contact Us Apply For A Loan Open A Savings Account Hours & Locations Login to Online Banking SEND US A MESSAGE Email * Message * *APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. **APY = Annual Percentage Yield. We provide links to third party partners, independent from . These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of WNC Community CU. Powered By: OMNICOMM NDER