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Savings Rates

Rates are determined by underwriting factors and may vary based on the information submitted on an application. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice. Contact the Credit Union for the latest on rate information.

EFFECTIVE: January 1, 2013

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

SHARE SAVINGS AND CLUB SAVINGS ACCOUNT

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. As of January 1, 2013, your Primary/Club Savings Account will earn dividends according to the following schedule:

Balance Limits Dividend Rate APY
$100.00 - $ 999.99 (aver. daily balance) 0.05% 0.05%
$1,000.00 - $4,999.99 (aver. daily balance) 0.05% 0.05%
$5,000.00 and over (aver. daily balance) 0.10% 0.10%

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded every day and will be credited to your account quarterly.

Dividend Period
For this account type, the dividend period is quarterly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements
The minimum balance to open this account is $5.00. You must open a Share Savings Account to be a member. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed these transfer limitation set forth above, your account may be subject to a fee or may be closed.

Par Value of Share
The par value of a regular share in this Credit Union is $5.

Fees and Charges
Please refer to our
Fee Schedule.

Insurance
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.






SHARE CHECKING ACCOUNT - Share Draft

This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. Rate as of January 1, 2013, are as follows:

Balance Limits Dividend Rate APY
$250.00 - $999.99 (aver. daily balance) 0.05% 0.05%
$1,000.00 - $2,499.99 (aver. daily balance) 0.05% 0.05%
$2,500.00 and over (aver. daily balance) 0.05% 0.05%

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded every month and will be credited to your account monthly.

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements
You must maintain a minimum daily balance of $250.00 in your account to avoid a monthly service charge fee. If, during any month, your account balance falls below the required minimum daily balance, your account will be subject to a monthly service charge fee. Please refer to our
Fee Schedule You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.






PRIME TIME CHECKING ACCOUNT - Share Draft

This account applies to members 60 years of age or older, proof of age is required. This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. Rate as of January 1, 2013, are as follows:

Balance Limits Dividend Rate APY
$250.00 - $999.99 (aver. daily balance) .05% .05%
$1,000.00 - $2,499.99 (aver. daily balance) .05% .05%
$2,500.00 and over (aver. daily balance) .05% .05%

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded every month and will be credited to your account monthly.

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements
No minimum balance requirements apply to this account.

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.



MINI CHECKING ACCOUNT - Share Draft

This account does not earn dividends.

Minimum Balance Requirements
You must maintain a minimum daily balance of $100.00 in your account to avoid a monthly service charge fee. If, during any month, you r account balance falls below the required minimum daily balance, your account wil be subject to a monthly service charge fee. Please refer to our Fee Schedule. You must maintain a minimum daily balance of $250.00 in your account each day to obtain the disclosed annual percentage yield.

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.


CERTIFICATE ACCOUNTS
Rates effective January 1, 2013

Available Terms Dividend Rate APY
BALANCE $500 - $9,999
6 months 0.10% 0.10%
12 months 0.10% 0.10%
18 months 0.15% 0.15%
24 months 0.20% 0.20%
36 months 0.25% 0.25%
BALANCE $10,000 - $49,999
6 months 0.10% 0.10%
12 months 0.15% 0.15%
18 months 0.20% 0.20%
24 months 0.25% 0.25%
36 months 0.30% 0.30%
BALANCE $50,000 and over
6 months 0.10% 0.10%
12 months 0.20% 0.20%
18 months 0.25% 0.25%
24 months 0.30% 0.30%
36 months 0.35% 0.35%
EARLY WITHDRAWL PENALTIES

EARLY WITHDRAWAL PENALTIES
We may impose a penalty if you withdraw any of the principal in your account before the maturity date. Penalties are calculated as follows:

6, 12, 18, 24 and 36 month maturities
We may impose a penalty if you withdraw any of the principal in your account before the maturity date. The penalty will equal 90 days dividend on the amount withdrawn.

RENEWAL POLICIES
Your account will automatically renew on its maturity date. There is a 10 day grace period following the maturity of this account.

BONUSES
There are no bonuses associated with this account.

TRANSACTION LIMITATIONS
After the account is opened, you may not make deposits into the account until the maturity date stated on the share certificate.

ACCRUAL OF DIVIDENDS
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

NATURE OF DIVIDENDS
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

COMPOUNDING AND CREDITING
Dividends will be compounded monthly and will be credited to this share certificate account. The dividend period is monthly.

MINIMUM BALANCE REQUIREMENTS
The minimum balance required to open an account is $500.00.

BALANCE COMPUTATION METHOD
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal in the account each day.

FEES AND CHARGES
Please refer to our
Fee Schedule.

PAR VALUE OF SHARES; DIVIDEND PERIOD
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is (monthly), beginning on the first day of the month and ending on the last day of the month.

INSURANCE
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.


MONEY MARKET
This account is a Variable Rate Account. The Dividend Rate and Annual Percentage Yield (APY) may change daily. As of January 1, 2013, your Money Market Account will earn dividends according to the following schedule:

Balance Limits Dividend Rate APY
$1,000 - $ 2,499.99 (aver. daily balance) 0.05% 0.05%
$2,500.00 - $ 4,999.99 (aver. daily balance) 0.10% 0.10%
$5,000.00 - OVER (aver. daily balance) 0.15% 0.15%

Nature of Dividends
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly.

Dividend Period
For this account type, the dividend period is monthly, for example the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum Balance Requirements
The minimum balance required to open this account is $1,000.00. You must maintain a minimum daily balance of $1,000.00 in your account each day to obtain the disclosed annual percentage yield.

Daily Balance Computation Method
Dividends on this account are calculated on the Daily Balance method. "Daily" means that a daily periodic rate is applied to the principal in the account each day.

Accrual of dividends on non-cash deposits
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

Transaction Limitations
During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitation set forth above, your account may be subject to a fee or may be closed.

Fees and Charges
An excess withdrawal fee of $5.00 will be charged for each debit transaction (withdrawal, draft paid, automatic transfer or payment out of this account) in excess of six during a month.) Please refer to our Fee Schedule.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a comaker, endorser, or guarantor are delinquent, without the written approval of a loan officer.


IRA SHARE ACCOUNT
This account is a Variable Rate Account. The dividend rate and Annual Percentage Yield (APY) may change every month as determined by the Credit Union board of directors. As of January 1, 2013, your IRA Share Account will earn dividends according to the following schedule:

Type Dividend Rate APY
Regular 0.15% 0.15%
ROTH 0.15% 0.15%

NATURE OF DIVIDENDS
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

COMPOUNDING AND CREDITING
Dividends will be compounded monthly and will be credited to your account monthly. If you close this account before dividends are paid, you will receive the accrued dividends.

MINIMUM BALANCE REQUIREMENTS
The minimum balance to open this account is $0.00. You must maintain a minimum daily balance of $0.00 to earn dividends on this account.

BALANCE COMPUTATION METHOD
Dividends on this account are calculated on the Daily Balance method. ?Daily? means that a daily periodic rate is applied to the principal in the account each day.

DATE DIVIDENDS ACCRUE
Dividends will begin to accrue on the business day you deposit non-cash items (e.g. share drafts) to your account.

FEES AND CHARGES
Please refer to our Fee Schedule.

Transaction Limitations
No transaction limitations apply to this account unless otherwise stated.

PAR VALUE OF SHARES; DIVIDEND PERIOD
The par value of a regular share in this Credit Union is $5. The dividend period of the Credit Union is monthly, beginning on the first day of the month and ending on the last day of the month.

INSURANCE
Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

Bylaw Requirement
The credit union reserves the right, at any time, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts paid in by them except for those amounts paid into share checking accounts.

No member may withdraw shareholdings that are pledged as required security on loans without the written approval of a loan officer, except to the extent that such shares exceed the member's total primary and contingent liability to the credit union.

No member may withdraw any shareholdings below the amount of his/her primary or contingent liability to the credit union if he/she is delinquent as a borrower, or if borrowers for whom he/she is a co-maker, endorser, or guarantor are delinquent, without the written approval of a loan officer.