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Certificate Rates

Rates effective April 16, 2013

APY = Annual Percentage Yield

Featured Share Certificates

Minimum Balance $5,000.00

Featured Certificate*
CertificateTermDividend RateAPY
$5,000.00 - $24,999.99140.40%0.40%
$25,000.00 - $49,999.99140.40%0.40%
$50,000.00 - $99,999.99140.40%0.40%
$100,000.00 +140.40%0.40%
Traditional IRA Featured Certificate*
CertificateTermDividend RateAPY
$5,000.00 - $24,999.99361.75%1.76%
$25,000.00 - $49,999.99362.00%2.02%
$50,000.00 - $99,999.99362.25%2.27%
$100,000.00 +362.50%2.53%
Roth IRA Featured Certificate*
CertificateTermDividend RateAPY
$5,000.00 - $24,999.99361.75%1.76%
$25,000.00 - $49,999.99362.00%2.02%
$50,000.00 - $99,999.99362.25%2.27%
$100,000.00 +362.50%2.53%
Coverdell IRA Featured Certificate*
CertificateTermDividend RateAPY
$5,000.00 - $24,999.99361.75%1.76%
$25,000.00 - $49,999.99362.00%2.02%
$50,000.00 - $99,999.99362.25%2.27%
$100,000.00 +362.50%2.53%

Super Saver Certificates

Minimum Balance $250.00

CertificateTermDividend RateAPY
Super Saver Share Certificate**120.35%0.35%
Super Saver Traditional IRA Share Certificate**120.55%0.55%
Super Saver Roth IRA Share Certificate**120.55%0.55%

Club Share Certificates

Minimum Balance $250.00

Teen Share Certificate
TermDividend RateAPY
60.35%0.35%
120.35%0.35%
180.35%0.35%
Saplings Savings Certificate
TermDividend RateAPY
120.35%0.35%

Share Certificates

Minimum Balance $1,000.00

3 - 5 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.20%0.20%
$5,000.00 - $24,999.990.20%0.20%
$25,000.00 - $49,999.990.20%0.20%
$50,000.00 - $99,999.990.20%0.20%
$100,000.00 +0.20%0.20%
6 - 11 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.20%0.20%
$5,000.00 - $24,999.990.20%0.20%
$25,000.00 - $49,999.990.20%0.20%
$50,000.00 - $99,999.990.20%0.20%
$100,000.00 +0.20%0.20%
12 - 23 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.35%0.35%
$5,000.00 - $24,999.990.35%0.35%
$25,000.00 - $49,999.990.35%0.35%
$50,000.00 - $99,999.990.35%0.35%
$100,000.00 +0.35%0.35%
24 - 35 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.55%0.55%
$5,000.00 - $24,999.990.55%0.55%
$25,000.00 - $49,999.990.55%0.55%
$50,000.00 - $99,999.990.55%0.55%
$100,000.00 +0.55%0.55%
36 - 47 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.45%0.45%
$5,000.00 - $24,999.991.00%1.01%
$25,000.00 - $49,999.991.00%1.01%
$50,000.00 - $99,999.991.00%1.01%
$100,000.00 +1.00%1.01%
48 - 60 Month Certificate
CertificateDividend RateAPY
$1,000.00 - $4,999.990.45%0.45%
$5,000.00 - $24,999.991.25%1.26%
$25,000.00 - $49,999.991.25%1.26%
$50,000.00 - $99,999.991.25%1.26%
$100,000.00 +1.25%1.26%

IRA Share Certificates

Minimum Balance $500.00

3 - 5 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.60%0.60%
$5,000.00 - $24,999.990.60%0.60%
$25,000.00 - $49,999.990.60%0.60%
$50,000.00 - $99,999.990.60%0.60%
$100,000.00 +0.60%0.60%
6 - 11 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.60%0.60%
$5,000.00 - $24,999.990.60%0.60%
$25,000.00 - $49,999.990.60%0.60%
$50,000.00 - $99,999.990.60%0.60%
$100,000.00 +0.60%0.60%
12 - 23 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.60%0.60%
$5,000.00 - $24,999.990.75%0.75%
$25,000.00 - $49,999.990.75%0.75%
$50,000.00 - $99,999.990.75%0.75%
$100,000.00 +0.75%0.75%
24 - 35 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.70%0.70%
$5,000.00 - $24,999.991.25%1.26%
$25,000.00 - $49,999.991.25%1.26%
$50,000.00 - $99,999.991.25%1.26%
$100,000.00 +1.25%1.26%
36 - 47 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.70%0.70%
$5,000.00 - $24,999.992.00%2.02%
$25,000.00 - $49,999.992.00%2.02%
$50,000.00 - $99,999.992.00%2.02%
$100,000.00 +2.00%2.02%
48 - 60 Month Certificate
CertificateDividend RateAPY
$500.00 - $4,999.990.70%0.70%
$5,000.00 - $24,999.992.25%2.27%
$25,000.00 - $49,999.992.25%2.27%
$50,000.00 - $99,999.992.25%2.27%
$100,000.00 +2.25%2.27%

* Featured 9 month certificates roll into a 3 month certificate upon renewal.

** Deposits are allowed on Super Saver Certificates.

Rates are subject to change.

1. Rate Information. Rates are subject to change. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. Dividend Period. For each account the dividend period is the accounts term. The dividend period begins on the first day of the term and ends on the maturity date.

3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends are stated in the Rate Schedule.

4. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. To open any account you must deposit or already have on deposit at least the par value of one full share in a Share, Kids Club Share, Teen Club Share, The Edge or Mature Members Club account. The par value amount is $5.00. Some accounts may have additional minimum opening deposit requirements. The Kids Club Certificate account is available for individuals between the ages of 0-12 and the Teen Club Certificate account is available for individuals between the ages of 13-18. At rollover, the Kids Club Certificate account will renew as a Teen Club Certificate account with the same term if the individual no longer meets the age eligibility requirement. The Teen Club Certificate account will renew as a Regular Share Certificate account with the same term if the Teen Club Certificate account eligibility requirements are no longer met. All Kids Club and Teen Club Share certificates that roll over will retain the minimum opening deposit. For all accounts, dividends are calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day.

5. Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the day the Credit Union receives provisional credit. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations. For all accounts, after your account is opened you may make a withdrawal of principal subject to the early withdrawal penalties stated below, and your share certificate will be closed. You may make withdrawals of dividends without penalty. For Teen Club Share Certificate, Kids Club Share Certificate, Traditional IRA Super Saver Share Certificate, Roth IRA Super Saver Share Certificate and Super Saver Share Certificate accounts, you may make additional deposits without limitation.

7. Maturity. Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice.

Early Withdrawal Penalty. We may impose a penalty if you withdraw from your account before the maturity date.

Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 12 months or less 90 days dividends Terms of longer than 12 months 180 days dividends

How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 or becomes disabled.

Renewal Policy. The renewal policy for all Non Featured Share Certificates is stated in the Truth-in-Savings Disclosure. The renewal policy for all Featured Share Certificates is stated in the Separate Rate Schedule. All Non Featured Share Certificates will automatically renew for the same term upon maturity at the rate in effect for the balance being renewed. All Featured Share Certificates will term disclosed on the Separate rate Schedule at the rate in effect for the balance being renewed. For all accounts, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Dividends will not accrue on accounts closed during the grace period.

Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the credit union. Automatically renew at maturity for the original renewal.