Dividend Rates Effective November 1, 2018

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Share Accounts

Savings account	Rate	Annual Percentage Yield
$25.00 - $999.99	0.05%	0.05%
$1,000.00 - $9,999.99	0.15%	0.15%
$10,000 and up	0.20%	0.20%

Holiday Clubs

Holiday Clubs	Rate	Annual Percentage Yield
$0.01 and up	0.20%	0.20%

*$10.00 early withdrawal fee before October 1st

Share Certificates

Term	Minimum investment	Rate	Annual Percentage Yield
90 days	$500	0.05%	0.05%
6 months	$500	0.10%	0.10%
1 year	$500	0.15%	0.15%
18 months	$500	0.20%	0.20%
3 years	$500	0.35%	0.35%
5 years	$500	0.85%	0.85%

Ask how your certificate rate can go up dramatically if you are also an active user of Credit Union lending & checking services!

Penalty for early withdrawal of certificates less than 3 years: 30 days interest.
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.

Lucky Savers

Term	Minimum investment	Rate	Annual Percentage Yield
12 months	$25.00	0.15%	0.15%

Ask how your rate can go up dramatically if you are also an active user of Credit Union lending & checking services!

Penalty for first early withdrawal: $25.00. Penalty for second early withdrawal (closure required): $25.00.

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Truth in Savings Disclosures About Your Account

The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.
The Dividend Period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
For share accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.
Unless otherwise stated for a specific type of account, in order for your account to earn dividends you must have an actual account balance of at least $25.00. If your balance falls below $25.00 you will not earn any dividends during that dividend period. Dividends are compounded monthly and credited monthly on balances of $25.00 or more based on average daily balance in your account. If you withdraw funds from your account before dividends are paid you will receive dividends accrued on the funds prior to withdrawal, but such dividend will not be credited to your account until the next dividend declaration date.
For share savings, no more than six (6) preauthorized, automatic, or telephone transfers may be made to another account of yours or to a third party. All such transfers may be subject to a fee, pursuant to the Credit Unions Fee Sheet. For a Holiday Club, the entire balance will be transferred to your share draft or share account after October 1st and the account will remain open. If you withdraw any of the account balance from a Holiday Club at any time we may impose a fee of $10.00.
We will not send you notice of any changes in the dividend rate or APY applicable to any account where the dividend is subject to change from time to time, although notice of changes in dividend rates will be posted on the Credit Union’s website. Also, no notice of changes to fees for printing of share drafts will be sent. In addition, where there is any change in the information disclosed in this statement, the change will appear in a notice posted on our website.