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Fees & Disclosures


Shares and deposits are federally insured up to $250,000, by the National Credit Union Administration (NCUA), a U.S. Government Agency, and backed by the full faith and credit of the United States Government. Shares and Deposits in excess of NCUA limits are fully insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC).

The term “noninterest -bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money market deposit account, and interest on lawyers trust account (“IOLTA”), even if share drafts may be drawn on the account.

For more information about insurance coverage of transaction accounts, visit http://www.ncua.gov/ or http://www.msic.org.

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