Deposit Rates

Share Certificates

Account Name	Term	Opening Balance	Interest Rate	APY*
12 Month (Partnership Account)** Account no longer available	12 Months	$10,000	0.10%	0.10%
Account no longer available	12 Months	$1,000	0.10%	0.10%
5 Month (Liquid Certificate)***	5 Months	$10,000	0.05%	0.05%
36 Month Bump ****	36 Months	$1,000	0.30%	0.30%

Term	Opening Balance	Interest Rate	APY*
3 Months Account no longer available	$1,000	0.10%	0.10%
Account no longer available	$10,000	0.10%	0.10%
6 Months	$1,000	0.05%	0.05%
	$10,000	0.05%	0.05%
12 Months	$1,000	0.10%	0.10%
	$10,000	0.10%	0.10%
18 Months	$1,000	0.15%	0.15%
	$10,000	0.15%	0.15%
24 Months	$1,000	0.20%	0.20%
	$10,000	0.20%	0.20%
36 Months	$1,000	0.30%	0.30%
	$10,000	0.30%	0.30%
48 Months	$1,000	0.50%	0.50%
	$10,000	0.50%	0.50%
60 Months	$1,000	0.60%	0.60%
	$10,000	0.60%	0.60%

There is an early withdrawal penalty on Share Certificate accounts.

* APY = Annual Percentage Yield

** Partnership Account Features: all dividends earned on account are donated to a participating member non-profit of your choice. Receive a one-time 0.25% rate increase at time of deposit if a partnership and regular certificate account are opened at the same time. The 0.25% rate increase offer is not valid with any other special rate bonus the Credit Union is currently offering.

*** Withdrawals/deposits may be made at any time, in amounts of $500 or more. Deposits do not extend the term of the account. Because the APY calculation assumes all interest earned will remain on deposit until maturity, any withdrawal will reduce earnings. Minimum $10,000 balance. If a withdrawal brings the balance below $10,000, the account must be closed and an early withdrawal penalty will be imposed. Personal funds only; maximum balance $250,000 per household.

**** Bump Type: Rate may be changed once at member request during the term of the certificate to our current rate (for new certificates for the same term) effective on the day the member makes the request.

Individual Retirement Accounts

Term	Opening Balance	Interest Rate	APY*
6 Months	$100	0.05%	0.05%
12 Months	$100	0.10%	0.10%
12 Months Promo	$1,000	0.05%	0.05%
	$10,000	0.10%	0.10%
18 Months	$100	0.10%	0.10%
24 Months	$100	0.20%	0.20%
36 Month Bump**	$1,000	0.25%	0.25%
48 Months	$1,000	0.50%	0.50%
	$10,000	0.50%	0.50%
60 Months	$1,000	0.60%	0.60%
	$10,000	0.60%	0.60%

The Dividend Rate and APY on IRA Accounts may change monthly as determined by the Board of Directors.

There is an early withdrawal penalty on IRA accounts.

* APY = Annual Percentage Yield

** Bump Type: Rate may be changed once at member request during the term of the certificate to our current rate (for new certificates for the same term) effective on the day the member makes the request.