Website Disclosure

Martinsville DuPont Credit Union (MDCU) strives to provide accurate and timely information in an organized easy to read format. MDCU does not guarantee the accuracy, timeliness or completeness of any information or document on the MDCU Website.

Please be advised that the information on the MDCU Website may not always be the most current source for company information regarding MDCU and MDCU disclaims any liability for any failure to update information on the MDCU Website. Further, the information in the MDCU Website is subject to change without notice.

The MDCU website contains links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by MDCU of the contents on such third-party website. MDCU is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. .

Savings Accounts Disclosure

The Board of Directors declares the dividend rate on Savings Accounts each month. Therefore, the rate may change after the member opens the account. The available dividend rate advertised is subject to change on the first day of each month. Savings Accounts have a minimum initial deposit of $20.00. Fees could reduce the earnings of the account.

Certificates of Deposit Disclosure

The available rate advertised is subject to change. The minimum initial deposit is $2,500. Penalties for early withdrawal may apply and will reduce the earnings of the account.

IRA Disclosure

The available rate advertised is subject to change. The minimum initial deposit is $500. Penalties for early withdrawal may apply and will reduce the earnings of the account.

Checking Accounts Disclosure

The Board of Directors declares the dividend rate on Checking Accounts each month. Therefore, the rate may change after the member opens the account. The available dividend rate advertised is subject to change on the first day of each month. Fees could reduce the earnings of the account.

Life Insured Savings Disclosure

The Board of Directors declares the dividend rate on Life Insured Savings Accounts each month. Therefore, the rate may change after the member opens the account. The available dividend rate advertised is subject to change on the first day of each month. Fees could reduce the earnings of the account. Life Insured Savings is a discontinued savings product only available to members that obtained this product when offered by MDCU.

Loan Rates Disclosure

Programs, rates, terms and conditions are subject to change without notice. With a variable mortgage the rate will adjust annually and may change after the member opens the account. A variable mortgage has up to 95% Loan To Value financing available. Primary Mortgage Insurance required for loans above 80% Loan To Value. With a Variable Home Equity Line of Credit, the rate will adjust annually and may change after the member opens the account. The maximum rate that can be applied to the Home Equity Loan is 16%. Rates effective as of 04-18-08. APR - Annual Percentage Rate.

Automobile Rates Disclosure

The listed rates are only some of our available automobile rates. Programs, rates, terms and conditions are subject to change without notice. Please contact our Loan Department at extension 41(Martinsville) or 42(Collinsville) or 43(Rocky Mount) by dialing 276.632.1679 or 540.483.0018 or 800.475.6328 for a complete listing of all automobile rates available to our members. LTV ~ Loan To Value. APR ~ Annual Percentage Rate.

Visa Credit Card Disclosure

E-Mail / Electronic Communication Disclosure

Internet is considered inherently insecure. Therefore, we have no liability to you whatsoever for any loss, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address maintained on our records, or any written communication actually received by us. Any account owner, co-borrower, or authorized user may change the e-mail address from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, MDCU may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through unsecured e-mail communications. If you need to contact MDCU immediately regarding an unauthorized transaction, stop payment request, or otherwise, you may call MDCU at the telephone numbers 276.632.1679 or 540.483.0018 or 800.475.6328.