A recent change in the Federal Reserve system's check processing operations has caused us to change our Funds Availability policy. For the most part you will not be affected by this change. Your credit union will, in most cases, make funds from your deposits available at the time of deposit. In some cases we may put a hold on your deposit. In all cases the first $200 will be available on the first business day after the deposit is made. The rest of the funds will be available on the second or seventh business day following the date of deposit. We will notify you if we are electing to place a hold on your deposit. If you would like a copy of our Funds Availability Policy, please contact us.