This schedule sets forth conditions, rates, fees and charges applicable to Savings, Checking, Certificate Accounts, Individual Retirement Accounts (IRA’s), Coverdell Education Savings Accounts (CESA’s) and Health Savings Accounts (HSA’s) at Granite Federal Credit Union. The credit union may offer other rates and fees or amend those contained herein. Each account holder agrees to the terms set forth herein and acknowledges that it is part of the Membership and Account Agreement. For terms on member business accounts, please see the Business Rate and Fee Schedule.