¹ APY=Annual Percentage Yield. Rates subject to change. Early Withdrawal Penalty may be imposed if you withdraw from your account before the maturity date. Amount of Penalty. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 1 year or less 90 days’ dividends Terms of longer that 1 year 180 days’ dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59½ or becomes disabled. All deposit accounts are federally insured up to $250,000 per person per account by NCUA.

² Holiday Savings Club dividends paid on $10,000.00 maximum. Funds on deposit starting at and in excess of $10,000.01 do not earn dividends.

³ APR=Annual Percentage Rate. Rates are presented as low as and are subject to change. Share Secured Loan secured by Regular Share Savings account. All loans including credit cards require application and approved credit. Loans can be secured up to 95% of the share account or certificate balance. Annual Percentage Rate is accurate as of publication date and is subject to change. The APR and terms for which the member qualifies will be provided upon approval of completed loan application. Auto rates and terms are subject to the amount of funds borrowed, year and value of vehicle, and length of loan. Always refer to your loan documents for specific terms and conditions regarding your loans.