Share & IRA Certificate Rates

Term	Dividend Rate	Annual Percentage Yield (APY)
6 Months	3.45%	3.50%

 $1,000 minimum ²

Term	Dividend Rate	Annual Percentage Yield (APY)
12 Months	3.69%	3.75%
18 Months	3.93%	4.00%
24 Months	3.01%	3.05%
36 Months	3.20%	3.25%
48 Months	3.69%	3.75%
60 Months	3.93%	4.00%

¹For terms of 6 months, the penalty we may impose will equal 90 days’ dividends on the amount withdrawn. Early withdrawal penalties may reduce the principal balance. All dividends accrued, but not yet credited, will be paid to the share certificate at the time of the withdrawal.

²For terms of 12, 15 and 18 months, the penalty we may impose will equal 180 days’ dividends on the amount withdrawn. For terms of 24, 36, 48, and 60 months, the penalty we may impose will equal 365 days’ dividends on the amount withdrawn. Early withdrawal penalties may reduce the principal balance. All dividends accrued, but not yet credited, will be paid to the share certificate at the time of the withdrawal.

All rates are deemed reliable, but not guaranteed. Please call the credit union with any questions you may have regarding rates. Rates can change at any time. Rates and terms are based on an individuals credit worthiness. All rates are based on term. All loans are subject to credit approval