TRUTH-IN-SAVINGS DISCLOSURE & RATE SCHEDULE
LAST DIVIDEND DECLARATION DATE: 4/1/2025
When you create a Real One account with us, we simplify the process for your convenience. With a single click, you instantly access a Real Savings Account, a Real Money Account, and a $200 Line of Credit. By choosing "Agree" in the online application, you express your consent to effortlessly open all three products and agree to the terms outlined in both the "Agreements and Disclosures" agreement and the "Credit Line Account Agreement and Federal Disclosure Statement."
| Account | Monthly Service Charge | Minimum Opening Deposit | Minimum Balance to Earn Stated APY1 | Terms (Months) | Rate | APY1 | Rate Type | Dividends Compounded | Dividends Credited | Dividend Period | Additional Deposits | Renewable | Transaction Limits and Withdrawls | Debit Card2 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Real Savings Account | NONE3 | $1 | $25 | N/A | 0.050% | 0.050% | Variable Rate | Quarterly | Quarterly | Calendar Quarter | Allowed | N/A | Federally Regulated4 | N/A |
| Real Money Account | NONE3 | $0 | $1,000 | N/A | 0.010% | 0.010% | Variable Rate | Monthly | Monthly | Calendar Month | Allowed | N/A | Unlimited5 | ✓ |
| Account | Monthly Service Charge | Opening Line of Credit Amount | Cash Advance Annual Percentage Rate | Rate Type |
|---|---|---|---|---|
| Line of Credit | NONE3 | $200.00 | 15.90% | Fixed Rate |
1. APY = Annual Percentage Yield
2. No Monthly or Annual Fees! Replacement fee applies.
3. Active accounts in good standing.
4. Federally regulated and limited to six transfers/withdrawals per month by means of: automatic transfer; telephone or on-line instruction; check draft, or similar.
5. Finance charges may apply. See the “Credit Line Account Agreement and Federal Disclosure Statement” for details.
MISCELLANEOUS: With proper notice in a manner as prescribed by law all agreements, disclosures, rates, dividends, transaction limitations, penalties, deposit & minimum balance requirements, Accounts, Fees, and Service Charges for any reason at any time can be changed by Real One.
FEE & SERVICE CHARGE SCHEDULE
Effective March 1, 2025
| ACH One-time Origination (Out./Incoming) | $5/Setup |
| Account Reconciliation (1 Hour Min.) | $25/Hour |
| Account Research - Member account research (1 Hour Min.) | $50/Hour |
| Account Research - Legal document processing (1 Hour Min.) | $100/Hour |
| Cash Advance Over the Phone | $12/Transfer |
| Check Copy | $5/Copy |
| Replacement Debit Card | $12/Card |
| Domestic Wire Transfer (Incoming) | $5/Transfer |
| Domestic Wire Transfer (Outgoing) | $25/Transfer |
| Foreign Wire Transfer (Incoming) | $5/Transfer |
| Foreign Wire Transfer (Outgoing) | $40/Transfer |
| Garnishment/Levy/Lien Processing | $25/Item |
| Inactive Share Account (after 12 months) | $10/Month |
| Items Sent for Collection | Price Varies |
| Money Order | $7/Item |
| Par Value of One Share | $1 |
| Reg D Excess Limit | $10/Item |
| Return Mail Processing (Per Account) | $15/Month |
| Teller Check | $7/Item |