* APY = Annual Percentage Yield ** IRS IRA rules apply Early withdrawal penalty applies Term = Month The Dividend Rates and APY’s listed above for Share/Savings, IRA and Certificates, were the rates paid on the last dividend declaration date set forth above. Rates on Shares/Savings and IRA’s are compounded monthly and subject to change every month as determined by the Board of Directors. Rates on Certificates and IRA Certificates are compounded quarterly and subject to change every month as determined by the Board of Directors. APY assumes all dividends are reinvested. Dividends are paid from current Income and available earnings. Fees and other conditions could reduce the earnings. Share accounts are insured up to $250,000 by the National Credit Union Insurance Fund, and Independent agency of the United States Government.