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SHARE CERTIFICATES

DEPOSIT	$1,000.00	$2,500.00	$4,000.00	$10,000.00	$25,000.00
TERM	%RATE/APY*	%RATE/APY*	%RATE/APY*	%RATE/APY*	%RATE/APY*
3-MO	2.00/2.02%	2.10/2.12%	2.25/2.27%	2.45/2.48%	2.45/2.48%
6-MO	2.15/2.17%	2.20/2.22%	2.30/2.32%	2.70/2.73%	2.70/2.73%
12-MO	2.25/2.27%	2.30/2.32%	2.35/2.38%	2.76/2.80%	2.76/2.80%
24-MO	2.30/2.32%	2.35/2.38%	2.40/2.43%	2.90/2.94%	2.90/2.94%
36-MO	2.35/2.38%	2.40/2.43%	2.50/2.53%	3.00/3.04%	3.00/3.04%
48-MO	2.40/2.43%	2.45/2.48%	2.55/2.58%	3.05/3.09%	3.05/3.09%
60-MO	2.45/2.48%	2.50/2.53%	2.60/2.63%	3.10/3.14%	3.10/3.14%

*Annual Percentage Yield Dividends compounded and paid monthly We may impose a penalty if withdrawal is made before maturity date Other rates and terms available This credit union is federally insured by the National Credit Union Administration

 

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CHECKING

Dividend bearing? Or non-dividend bearing? Whichever type of checking account you select, each offers its own unique benefits.

Basic Free Checking	Plus Checking	Premier Checking	Senior 62 Checking
Unlimited check writing	Unlimited check writing	Unlimited check writing	Unlimited check writing
No monthly service fee	Monthly service fee of $6.00 if balance falls below $500.00	Monthly service fee of $6.00 if balance falls below $2,500.00	No monthly service fee
No per-check fees	No per-check fees	No per-check fees	No per-check fees
No minimum balance required	$500.00 minimum balance required to earn dividend* & waive fee	$2,500.00 opening deposit and balance required to earn dividend** & waive fee	No minimum balance required
Overdraft protection available	Overdraft protection available	Overdraft protection available	Overdraft protection available
ATM/point of sale	ATM/point of sale	ATM/point of sale	ATM/point of sale
Direct deposit	Direct deposit	Direct deposit	Direct deposit
1st order basic checks free	1st order basic checks free	Free basic checks	Free basic checks

*Last dividend paid .35% APY  ** .25% above Share Draft Plus - .60% APY Dividends compounded monthly and paid monthly This credit union is federally insured by the National Credit Union Administration

IRA'S

IRA - INDIVIDUAL RETIREMENT ACCOUNT Traditional or Roth An IRA is a deposit account that provides security for the future and serves to compliment a fixed income after retirement. We offer both a IRA share and IRA certificate - Traditional or Roth Build toward a IRA certificate by depositing regularly to an IRA share account. *IRA share accounts earn 1.00% APY *(IRA share accounts are a variable rate and may change at any time at the Credit Union's discretion)

IRA CERTIFICATE RATES

DEPOSIT	$1,000.00	$2,500.00	$4,000.00	$10,000.00	$25,000.00
TERM	%RATE/APY*	%RATE/APY*	%RATE/APY*	%RATE/APY*	%RATE/APY*
3-MO	2.00/2.02%	2.10/2.12%	2.25/2.27%	2.45/2.48%	2.45/2.48%
6-MO	2.15/2.17%	2.20/2.22%	2.30/2.32%	2.70/2.73%	2.70/2.73%
12-MO	2.25/2.27%	2.30/2.32%	2.35/3.38%	2.76/2.80%	2.76/2.80%
24-MO	2.30/2.32%	2.35/2.38%	2.40/2.43%	2.90/2.94%	2.90/2.94%
36-MO	2.35/2.38%	2.40/2.43%	2.50/2.53%	3.00/3.04%	3.00/3.04%
48-MO	2.40/2.43%	2.45/2.48%	2.55/2.58%	3.05/3.09%	3.05/3.09%
60-MO	2.45/2.48%	2.50/2.53%	2.60/2.63%	3.10/3.14%	3.10/3.14%

Dividends are compounded and paid quarterly on IRA certificates We may impose a penalty if withdraw is made before maturity date. Other rates and terms available Annual maintenance fee of $10.00 *Annual Percentage Yield This credit union is federally insured by the National Credit Union Administration

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TRADITIONAL IRA
A Traditional IRA can offer the possibility of tax deferral, with earnings remaining tax-sheltered until withdrawn. Your contributions may be fully or partially tax deductible, depending on your income level and participation in other benefit plans.  Consult your tax advisor.

ROTH IRA
A Roth IRA provides for tax-free withdrawals of contributions and earnings, assuming certain conditions are met.Contributions are not tax deductible, but withdrawals after age 59 1/2 are tax free if the funds have been in the account for at least five years.  Consult your tax advisor.

Filing Fee: DMV charges a transfer fee to place and release the credit union's name as lien holder of security used for loan.

Late charge: Basic Personal Loan - Flat $15.00 late fee when payment is more than 15 days delinquent.
                   Personal Line of Credit - Flat $15.00 late fee when payment is more than 15 days delinquent.

Credit Life and Credit Disability Insurance is available and designed to give you extra security on your loans.  Ask us about this affordable insurance on your next loan.

**APR is the Annual Percentage Rate.

**Home Equity Line of Credit is a variable rate loan and rate can change semi-annually.  Rate cannot increase or decrease more than 1.0 percentage point at each adjustment, March and September,  max 15%.  1/2% will be added to Prime Rate if FICO is below 700.