Deposit Rates

Table data for Deposit Accounts
Rates effective 12-17-2018
	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound
Regular Savings	0.15%	0.15%	$5.00	Quarterly

Regular Checking	0.00%	0.00%	$0.00	None

Accumulation IRA	0.30%	0.30%	$25.00	Monthly

Jump Start Savings*	2.97%	3.00%	$5.00	Quarterly

Christmas/Vacation	0.10%	0.10%	$0.00	Quarterly

Health Savings	0.75%	0.75%	$25.00	Monthly

APY = Annual Percentage Yield *Balances $500.01 and will earn the current savings account rate. See Account Disclosure for details.

Table data for IRA Accounts
Effective 12-17-2018
	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound	Alert Me
Tier 1	0.30%	0.30%	$5,000.00	Monthly	Receive a notification when this rate changes

Tier 2	0.35%	0.35%	$25,000.00	Monthly	Receive a notification when this rate changes

Tier 3	0.45%	0.45%	$50,000.00	Monthly	Receive a notification when this rate changes

Tier 4	0.50%	0.50%	$100,000.00	Monthly	Receive a notification when this rate changes

Table data for Certificate/IRA Certificate Accounts
Rates effective 12-17-2018
Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound	Alert Me
6 Months	0.50%	0.50%	$2,500.00	Monthly	Receive a notification when this rate changes

12 Months	1.19%	1.20%	$2,500.00	Monthly	Receive a notification when this rate changes

18 Months	1.24%	1.25%	$500.00	Monthly	Receive a notification when this rate changes

24 Months	1.59%	1.60%	$500.00	Monthly	Receive a notification when this rate changes

30 Months	1.64%	1.65%	$500.00	Monthly	Receive a notification when this rate changes

36 Months	1.69%	1.70%	$500.00	Monthly	Receive a notification when this rate changes

42 Months	1.74%	1.75%	$500.00	Monthly	Receive a notification when this rate changes

48 Months	1.79%	1.80%	$500.00	Monthly	Receive a notification when this rate changes

60 Months	1.98%	2.00%	$500.00	Monthly	Receive a notification when this rate changes

APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Credit Union account or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA) Certificate Accounts with an initial minimum of $100,000 may add 0.10 to the dividend rate above. Certificate Accounts with an initial minimum of $250,000 may add 0.20 to the dividend rate above. IRA Certificates may add 0.10 to dividend rate above.

Table data for Certificate Specials
Rates effective 12-17-2018
	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance	Dividend Compound
12 Months	1.98%	2.00%	$1,000	Monthly

**12 Months	2.08%	2.10%	$1,000	Monthly

18 Months	2.57%	2.60%	$2,500	Monthly

**18 Months	2.67%	2.70%	$2,500	Monthly

36 Months	2.86%	2.90%	$2,500	Monthly

**36 Months	2.96%	3.00%	$2,500	Monthly

60 Months	3.35%	3.40%	$2,500	Monthly

**60 Months	3.45%	3.50%	$2,500	Monthly

**Half of the Certificate balance must be new money. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Credit Union account or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA).

Table data for Member-Managed Funds Account
Rates Effective 12-17-2018
Minimum Balance	$2,500.00	$25,000.00	$50,000.00	$100,000.00
Annual Percentage Yield (APY)	0.25%	0.30%	0.40%	0.50%

Dividend Rate	0.25%	0.30%	0.40%	0.50%

Dividend Compound	Monthly	Monthly	Monthly	Monthly