Rates

Savings

Savings Accounts

Savings Accounts
Effective Date: Tuesday, September 25th, 2018
Account Type	Dividend Rate	APY*	Dividend Credited	Minimum Balance
Share Savings (1,3)	0.15%	0.15%	Quarterly	$5
Holiday Savings (1)	0.15%	0.15%	Quarterly	$0
You Name It Savings (1)	0.15%	0.15%	Quarterly	$0
(1) Rates are determined by the Board of Directors and may change at any time. (3) Minimum balance of $5 required to earn dividends.

Checking Accounts
Effective Date: Tuesday, September 25th, 2018
Account Type	Dividend Rate	APY*	Minimum Balance
Genius Checking (1,2)	3.00%	3.03%	$0
Basic Checking (1)	0.00%	0.00%	$0
Interest Checking (1, 4)	0.10%	0.10%	$1,500
(1) Rates are determined by the Board of Directors and may change at any time. (2) See Genius Checking for requirements to earn this rate. (4) Minimum balance of $1,500 required to earn dividends and avoid $10 monthly fee.

Retirement / Education / Health Savings Accounts
Effective Date: Tuesday, September 25th, 2018
Account Type	Dividend Rate	APY*	Dividend Credited	Minimum Balance
Health Savings (HSA) (1)	0.50%	0.50%	Monthly	$0
IRA Money Market (1, 6)	0.45%	0.45%	Monthly	$2,500
IRA Savings (1)	0.20%	0.20%	Quarterly	$5
(1) Rates are determined by the Board of Directors and may change at any time. (6) Minimum balance of $2,500 required to earn dividends.

Term Certificates $500 and Above
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
6 Months	1.54%	1.55%
1 Year	1.69%	1.70%
18 Months	1.74%	1.75%
2 Years	2.13%	2.15%
3 Years	2.33%	2.35%
4 Years	2.52%	2.55%
5 Years	2.72%	2.75%
$500 is the minimum balance required to open account and earn APY. Rates are reviewed and revised weekly as necessary. Penalty for early withdrawal.

Certificate & IRA Specials
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
7 Months CD only	1.98%	2.00%
13 Months	2.38%	2.40%
19 Months	2.62%	2.65%
25 Months	2.72%	2.75%
30 Months	2.83%	2.86%
61 Months	3.11%	3.15%
* Annual Percentage designated as APY. Certificate specials are for a limited time and the credit union may end it at anytime without notice. Minimum certificate opening balance is $500. Specials are non-renewable. 7 month special is not valid for IRAs. The 7 month term will renew into a 6 month term. 13 month term will renew into a 12 month term, the 19 month will renew to an 18 month term, the 25 and 30 month will renew into a 24 month term and the 61 month term will renew into a 60 month certificate. Penalty for early withdrawal.

Jumbo and Jumbo IRA Certificates $100,000 and Above
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
6 Months	1.59%	1.60%
1 Year	1.74%	1.75%
18 Months	1.79%	1.80%
2 Years	2.18%	2.20%
3 Years	2.38%	2.40%
4 Years	2.57%	2.60%
5 Years	2.77%	2.80%
$100,000 is the minimum balance required to open account and earn APY. Rates are reviewed and revised weekly as necessary. Penalty for early withdrawal.

IRA Certificates $500 and Above
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
6 Months	1.54%	1.55%
1 Year	1.69%	1.70%
18 Months	1.74%	1.75%
2 Years	2.13%	2.15%
3 Years	2.33%	2.33%
4 Years	2.52%	2.55%
5 Years	2.72%	2.75%
$500 is the minimum balance required to open account and earn APY. Rates are reviewed and revised weekly as necessary. Penalty for early withdrawal.

Flex Certificate $100 and Above
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
1 Year (2,8)	1.39%	1.40%
(2) Rates are reviewed and revised weekly as necessary. (8) Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.

High Yield Money Market (1, 6)
Effective Date: Tuesday, September 25th, 2018
Daily Balance Tiers	Rate	APY*
$2,500 - $9,999	0.65%	0.65%
$10,000 - $24,999	0.70%	0.70%
$25,000 - $49,999	0.70%	0.70%
$50,000 - $74,999	0.75%	0.75%
$75,000 - $99,999	0.75%	0.75%
$100,000 - $249,999	0.80%	0.80%
$250,000 and over	0.80%	0.80%
(1) Rates are determined by the Board of Directors and may change at any time. (6) Minimum balance of $2,500 required to earn dividends.

College Rewards Money Market (1, 7)
Effective Date: Tuesday, September 25th, 2018
Daily Balance Tiers	Rate	APY*
$100 and over	0.40%	0.40%
(1) Rates are determined by the Board of Directors and may change at any time. (7) Minimum balance of $100 required to earn dividends. First $2,500 earns rate equal to $2,500 - $9,999 tier paid for High Yield Money Market. Minimum requirements to qualify.

Youth Certificate
Effective Date: Tuesday, September 25th, 2018
Term	Rate	APY*
3 Year	2.33%	2.35%
$10 is the minimum balance required to open account and earn APY. Rates are reviewed and revised weekly as necessary. Penalty for early withdrawal.

Products no longer offered
Effective Date: Tuesday, September 25th, 2018
Product Name	Dividend Rate	APY*
Youth Club	0.10%	0.10%
Vacation Club	0.10%	0.10%
Checking S8 (Balances $500-$2499)	0.05%	0.05%
Checking S8 (Balances $2500 +)	0.05%	0.05%
Checking S15 (Balances $500-$1499)	0.05%	0.05%
Checking S15 (Balances $1,500 +)	0.10%	0.10%

* Annual Percentage Yield (APY)

Member savings accounts insured to $250,000; Individual Retirement Accounts insured to $250,000 by the National Credit Union Administration
For more account information please see
Truth In Savings Disclosure
Flex Certificate Disclosure
Certificate Disclosure