Share Rates

Share Savings Accounts
Account Type	Average Daily Balance to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Regular Share	$5.00 (Minimum to Open)	0.40%	0.40%
Important highlights to your business share savings account: Only a $5.00 balance is needed in your savings to open, earn dividends and maintain credit union membership No minimum balance fee No excessive withdrawal fee No transaction fee No monthly service fee View your accounts online or use our automated phone teller
Sub-Shares: (Clubs, Vacation, Holiday, etc.)	N/A	0.40%	0.40%
IRA Shares (Traditional and Roth)	Up to $50,000 $50,000.01 - $100,000 $100,000.01 - $150,000 $150,000.01 - $250,000 Over $250,000	0.75% 1.00% 1.49% 1.74% 1.98%	0.75% 1.00% 1.50% 1.75.% 2.00%

 

Money Market Savings Account
Account Type	Average Daily Balance to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Regular Money Market*	$500 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - and above	0.50% 0.75% 0.75% 0.90%	0.50% 0.75% 0.75% 0.90%
*Regular Money Market allows 4 free withdrawals per month; $5.00 fee for each withdrawal after 4
Money Market Special**	$60,000 - and above	1.05%	1.05%
**Money Market Special allows 2 free withdrawals per month; $10.00 fee for each withdrawal after 2.  If your average daily balance falls below $60,000 you will earn our highest regular money market rate or 0.90% APY; whichever is higher.  If the balance falls below $60,000 you will have 30 days to bring your account back to at least $60,000 to maintain the special account designation.

Special Notice for Savings Accounts

For Regular Share, Sub-share, IRA Share, Regular Money Market and Money Market Special accounts there is a minimum average daily balance required to obtain the Annual Percentage Yield for the dividend period, dividend period is the calendar month.  Rates and yields for these accounts may change monthly as determined by the Credit Union's Board of Directors.  Please refer to the Truth in Savings Disclosure for additional information.

 

Share Certificate Accounts
Account Type	Term	Minimum to Open (All Terms)	Early Withdrawal Penalty (Days of Dividend)	Dividend Rate (Fixed Rate)	Annual Percentage Yield (APY)
Regular and IRA	6 Month 9 Month 12 Month 18 Month 24 Month 36 Month	$1,000	30 60 60 90 90 90	0.60% 0.75% 0.90% 1.24% 1.39% 1.98%	0.60% 0.75% 0.90% 1.25% 1.40% 2.00%
For additional information refer to the Truth and Savings Disclosure for Certificate Accounts.  The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity.

Rates are subject to change without any prior notice and are accurate as of June 1, 2010.

This credit union is federally insured by the National Credit Union Administration.