Gold Package Benefits

The additional benefits available to Gold Package members include:

• Up to .75% loan rate discount on new loans with direct deposit and loan payment automatically deducted from your account—this discount is available on Automobile, Boat, Motorcycle and Quick-Cash loans.‡‡
• .25% Higher Term Share Certificate rates
• .25% Higher IRA Term Share Certificate rates
• FREE Home Banking
• FREE Bill Pay**
• FREE Checking
• FREE standard checks for your OECU Checking Account
• Unlimited FREE OECU ATM transactions at OECU owned and Alliance One machines
• Unlimited FREE Non-OECU owned ATM transactions per month (surcharge fees at non-OECU, non-Alliance One ATMs apply)
• No annual fee on an OECU VISA® Credit Card
• Free counter checks
• Free domestic wire transfers
• No sales fee on American Express® travelers checks
• No monthly maintenance fee on your OECU Share Savings Account
• No loan application fee
• No annual IRA fee
• No In-branch service fee
• "First-Time Auto Buyer Program"—1, 2 or 3-year-old used auto can be financed at new auto loan rates (member must be enrolled in school)

Average Savings Product Balance Relationship*** of $20,000.00 or greater

OR

Aggregate Balance Relationship‡ of $20,000.00 or greater, with direct deposit or payroll deductions of at least $400.00 per month.

Accounts subject to underwriting guidelines.

‡‡ Loan Rate Discount Definition - Silver and Gold Package Members receive a .25% discount for direct deposit to any OECU account for a monthly amount equal to or greater than the scheduled loan payment. Silver Package members receive a .25% discount when the loan payment is automatically deducted from an OECU account. Gold Package members receive a .50% discount when the loan payment is automatically deducted from an OECU account.

** Requires an OECU checking account.

*** Average Savings Product Balance Relationship Definition - The Average Savings Product Balance Relationship is the total of all your primary membership Savings, Checking, Money Market, Term Share Certificate, IRA Savings, IRA Term Share Certificate, and Special Savings Accounts, using the average daily balance for each account for the month.

‡ Aggregate Balance Relationship Definition - The Aggregate Balance Relationship is the total of all your primary membership deposits and loans with OECU, using the average daily balance for each account for the month.