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Dividends are compounded and credited quarterly on the last business day of March, June, September and December. Dividends are paid from current earnings available after transfers to reserves and only after the Board of Directors of the Credit Union formally declares the dividend rate at the end of the quarter. Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal. APY is accurate as of the last dividend declaration date. Rates may change after the account is opened. Rates are accurate as of January 15, 2013.

*Fees could reduce the earnings on the account.

Interest on Checking accounts is compounded and credited monthly on the last business day of your statement cycle. Rates are accurate as of January 15, 2013.

Fees could reduce earnings on the account.

*Christmas Club Account - Interest paid through November 1, balance transferred to checking or savings account on November 1. In the event of early withdrawal, account will be closed and all accrued interest will be lost.



(Fixed-Rate)
SmartStep (Variable-Rate)

A penalty will or may be imposed for early withdrawal.

*Senior Privilege Certificates may be purchased at .15% above current rate (rate will automatically increase on existing qualified CDs at next renewal following tax-select owner's 60th birthday). Ask about our Jumbo Certificates of Deposit for $50,000 and above.

Fixed-Rate
Fixed Rate 12 Month CDs
SmartStep (Variable-Rate)

The interest rate and Annual Percentage Yield (APY) on the fixed-rate CDs are fixed until the maturity date of the certificate. The interest rate and APY on a variable-rate CD may be changed once, at your request, during each 24-month term. Early withdrawal penalty for accounts with terms of 12 months or less is 90 days interest; 180 days interest for accounts with terms longer than 12 months. A penalty will or may be imposed for early withdrawal. APY is accurate as of January 15, 2013. A penalty will or may be imposed for early withdrawal.Fees could reduce earnings on the account.

Fixed-Rate
Fixed Rate 12 Month CDs
SmartStep (Variable-Rate)

A penalty will or may be imposed for early withdrawal.

Fixed-Rate
(Fixed-Rate)
SmartStep (Variable-Rate)

A penalty will or may be imposed for early withdrawal.

*Fees could reduce the earnings on the accounts above.

Fixed-Rate
Fixed Rate 12 Month CDs
Smart Step (Variable-Rate)

Rates are accurate as of January 15, 2013.

*APY - Annual Percentage Yield

A penalty will or may be imposed for early withdrawal.

Fees could reduce the earnings on the account.

** Early Withdrawal Penalty - Accounts will be cancelled if the balance drops below the minimum amount required for the term of the account and an early withdrawal penalty may apply. Early withdrawal penalty for account terms of 12 months or less is 90 days of interest(whether earned or not); 180 days interest (whether earned or not) for accounts with terms longer than 12 months.

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