West Virginia Federal Credit Union Preferred Relationship Benefits Program

Membership account eligibility requirements include the following preferred relationship:

• Active West Virginia Federal Credit Union share draft (checking) account
• Payroll deposit (where available), retirement or Social Security (SSI) payment must be directed deposited to a WVFCU checking account
• Enrolled in eBranch, eStatements
• Current and future West Virginia Federal Credit Union loans must elect auto payment from a West Virginia Federal Credit Union account

Preferred Relationship participation is not automatic. All members must qualify at time of service or product origination and maintain our preferred relationship for term of product or service. Change in eligibility status during the term of product or service may result in loss of future benefit (s) received. Benefit is not retroactive to existing loans, deposits or services. Future available benefits are subject to change without notice effective on the 1st day of each month.

Current Available Benefits include:

Loans:

• Mortgage & Fixed Home Equity

  $100 Discount off origination fee with:

  Automatic payment from WVFCU account and any of the following relationships:

  * - Preferred Relationship Benefits Program

  * - Outstanding auto loan

  *- Aggregate deposit relationship > $25,000 One overdraft fee waiver request per rolling twelve month period.

• ARM Mortgage

  $100 discount off ARM Mortgage Origination Fee with:

  Automatic Payment from WVFCU account and any of the following relationships.

  * - Preferred Relationship Benefits Program

  * - Outstanding auto loan

  *- Aggregate deposit relationship > $25,00

• Auto Loans

  Rate reductions for:

  -0.10% for auto ACH payment from another FI or Auto pay transfer from a WVFCU deposit account - (NO payment coupon book ordered).

  -0.15% for Preferred Relationship discount with an active WVFCU checking account or existing WVFCU outstanding secured loan.

Deposits:

• Additional 0.10% interest rate enhancement to initial CD rate offers.
• One overdraft fee waiver request per rolling twelve month period.

Other Products and Services:

• $10 Discount on annual safe deposit box rental.
• Discount on certain periodic promotional items such as theme park tickets, etc.