Savings Rates

Promotional Share & IRA Certificates
Share & IRA Certificates
Money Market Accounts
Savings Accounts
IRA Savings Accounts

Promotional Regular and IRA Share Certificates* Minimum ($1,000 to $99,999.99)
Term	Rate	APY**
Term: 7-month
Term: 37-month
Subject to change without notice, fees may reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. * APY= Annual Percentage Yield

Promotional Regular and IRA Share Certificates* Minimum ($100,000.00 - $249,999.99)
Term	Rate	APY**
Term: 7-month
Term: 37-month
Subject to change without notice, fees may reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. * APY= Annual Percentage Yield

Promotional Regular and IRA Share Certificates* Minimum ($250,000+)
Term	Rate	APY**
Term: 7-month
Term: 37-month
Subject to change without notice, fees may reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. * APY= Annual Percentage Yield

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Certificates

Share Certificates & IRA Certificates* Minimum ($1,000 to $99,999.99)
Term	Rate	APY**
Flex Saver Certificate - 3-month
Flex Saver Certificate - 6-month
Elite Saver Certificate - 12-month
Super Saver Certificate - 18-month
Super Saver Certificate - 24-month
Max Saver Certificate - 36-month
Max Saver Certificate - 60-month
* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. **APY= Annual Percentage Yield

Share Certificates & IRA Certificates* Minimum ($100,000 to $249,999.99)
Term	Rate	APY**
Flex Saver Certificate - 3-month
Flex Saver Certificate - 6-month
Elite Saver Certificate - 12-month
Super Saver Certificate - 18-month
Super Saver Certificate - 24-month
Max Saver Certificate - 36-month
Max Saver Certificate - 60-month
* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. ** APY= Annual Percentage Yield

Share Certificates & IRA Certificates* Minimum ($250,000+)
Term	Rate	APY**
Flex Saver Certificate - 3-month
Flex Saver Certificate - 6-month
Elite Saver Certificate - 12-month
Super Saver Certificate - 18-month
Super Saver Certificate - 24-month
Max Saver Certificate - 36-month
Max Saver Certificate - 60-month
* Subject to change without notice, fees will reduce earnings, substantial earlier closure fees may apply. Minimum opening balance, noted above, must be maintained for the entire term. Dividends are paid monthly. ** APY= Annual Percentage Yield

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Money Market Accounts

Money Market Account Rates*
Account Balance	APY**	Rate
$0.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $499,999.99
$500,000.00+
* The dividend rate and annual percentage yield are subject to change without notice. ** APY - Annual Percentage Yield

* Disclosures - Money Market Savings Account

Balance Computation Method
Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Compounding and Crediting
Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.

Accrual of Dividends
Dividends will begin to accrue no later than the business day on which we receive credit for non-cash items, such as checks.

Minimum Balance Requirements
The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account each day to avoid a service fee. If, during any statement period, your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $10.00 for that statement period.

Transaction Limitations
During any statement period, you may not make more than six withdrawals or transfers to your other CCU accounts or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the Credit Union.

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Savings Accounts

Savings Accounts Rates*
Account Balance	APY**	Rate
$0 - $299.99
$300.00+
* The dividend rate and annual percentage yield may change without notice. ** APY - Annual Percentage Yield

Summer Savings & Club Accounts Rates*
Account Balance	APY**	Rate
$0 - $299.99
$300.00+
* The dividend rate and annual percentage yield may change without notice. ** APY - Annual Percentage Yield

* Disclosures - Savings And Club Accounts
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. The dividend declaration date is the last day of the dividend period. You must maintain a minimum daily balance of $100 in your account each day to avoid a service fee. If, during any statement period, your account balance falls below the required minimum daily balance, your account will be subject to a service fee of $2 for that statement period. You must maintain a minimum daily balance of $300 in your account each day to obtain the disclosed annual percentage yield (APY). Minor accounts and zero-balance accounts are exempt from minimum balance requirements.

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IRA Accounts

IRA Savings Account*
APY**	Rate

The dividend rate and annual percentage yield may change without notice. * APY - Annual Percentage Yield

*Disclosures - IRA Savings Accounts
* Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded monthly and will be credited monthly. If you close your account before dividends are paid, you will not receive the accrued dividends. The minimum balance required to open this account is $50.