Account Type Minimum Balance Dividend Rate APY Share Savings       Regular Shares $25 .20% .20% Holiday Club None .25% .25% Vacation Club None .20% .20% Summer Savings None .20% .20% Serendipity None .20% .20% Term Share Certificates       6-month $1,000 .30% .30% 12-month $2,500 .35% .35% 12-month $5,000 .35% .35% 24-month $5,000 .65% .65% 24-month $10,000 .65% .65% Money Market         $2,500 - $14,999.99 .25% .25%   $15,000 - $49,999.99 .30% .30%   $50,000 – up .35% .35% IRAs       EZ Pay IRA None .40% .40% IRA Share Certificate $500 .40% .40% Share Draft (Checking)       Regular Share Draft None (dividends on balances over $100) 0.05% 0.05% Silver Advantage None (dividends on balances over $100) 0.05% 0.05%

These annual percentage yields (APYs) are valid as of January 1, 2013 and are subject to change without notice. Please call the credit union to obtain current rate information.

Dividends on share savings accounts are calculated on the daily balance and accrue from the day of deposit to the day of withdrawal. They are paid quarterly on the last day of the dividend period. Fees may reduce earnings.

Share certificate balances are compounded and posted quarterly. Certificate holders will be notified of the option to renew at least 30 days prior to maturity. Additional deposits are not permitted. There is a penalty for early withdrawal. The IRS may impose penalties for early withdrawals from IRAs.