Disclosures

REGULAR SHARE ACCOUNT

Minimum deposit is $5.00. For current dividend rate and annual percentage yield see Rate Link.Dividends compounded and credited quarterly (calendar quarter). Minimum balance to earn the current APY - none.Balance method for calculating dividends - average daily balance.Account limitations - account transfer limitations apply (see section 6 below).

SHARE DRAFT ACCOUNT

Minimum opening deposit is $50.00. For current dividend rate and annual percentage yield, see Rate Link. Dividends compounded and credited monthly (calendar month). Minimum balance to earn the current APY - none. Balance method for calculating dividends - average daily balance. Minimum balance to avoid a service fee - $50.00 )see Fee Schedule for service charge).

Rate Information
Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
Dividend Compounding and Crediting. The compounding and crediting of dividends and dividend period applicable to each account are set forth above. The Dividend Period is the period of time at the end of which an account earns dividend credit . The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.
Accrual of Dividends. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.
Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For Share Draft accounts, there is a minimum average daily balance required to avoid a service fee for the dividend period. If the minimum average daily balance is not met, there will be a service fee as set forth in the Fee Schedule. For all accounts using an Average Daily Balance method, dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period.
Account Limitations. For Regular Share accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be closed. For Share Draft accounts, no account limitations apply.

. 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 Regular Share accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. For Share Draft accounts, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors.