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Rates Effective: March 8, 2013

Certificate Rates ∆

Term: 6 Month

Minimum Opening Deposit: $500.00

Tier Dividend Rate Annual Percentage Yield
$500.00 - $9,999.99 0.05% 0.05%
$10,000.00 + 0.10% 0.10%

Term: 12 Months (Easy Saver)*

Minimum Opening Deposit: $100.00

Tier Dividend Rate Annual Percentage Yield
N/A 0.15% 0.15%

Term: 12 Months (MSA)***

Minimum Opening Deposit: $100.00

Tier Dividend Rate Annual Percentage Yield
N/A 0.15% 0.15%

Term: 12 Months

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.10% 0.10%
$10,000.00 + 0.15% 0.15%

Term: 18 Months **

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.15% 0.15%
$10,000.00 + 0.15% 0.15%

Term: 24 Months

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.25% 0.25%
$10,000.00 + 0.30% 0.30%

Term: 36 Months

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.45% 0.45%
$10,000.00 + 0.50% 0.50%

Term: 48 Months

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.55% 0.55%
$10,000.00 + 060% 0.60%

Term: 60 Months

Minimum Opening Deposit: $1,000.00

Tier Dividend Rate Annual Percentage Yield
$1,000.00 - $9,999.99 0.90% 0.90%
$10,000.00 + 0.95% 0.95%
Dividends Compounding and Crediting. The compounding and crediting of dividends applicable to each account is set forth in the Rate and Fee Schedule. The Dividend Period begins on the first calendar day of the quarter and ends on the last calendar day of the quarter unless specified monthly to a share account. (Certificates that are disbursed monthly do not qualify for the tiering of accounts and will be set at the rate of the second tier.) Easy Saver Certificate and Military Savers Account (MSA) are paid monthly. At account opening, you may have accrued dividends withdrawn or transferred to a share account. If you select either option, the annual percentage yield on your account will be set forth on the account receipt.
Call or stop by your local branch for current account disclosures. * For members below 18 years of age. ** Bump-up option. This option maximized the return on your investment by allowing you, at one time during the term of your certificate, contact the credit union and your current dividend rate will be changed to the dividend rate of the current month for your level. This currently applies only to the 18 month certificate. *** Military Savers Account is offered only to military personnel and their dependents, during Military Saves Week.
∆ Annual Percentage Yield. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Penalties may apply for early withdrawals on some savings accounts. The rates appearing in this schedule are accurate and effective for the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please contact us.