Our Interest is Serving Yours

Effective January 1, 2020
Rates subject to change without notice

Term Share Certificates
Effective Date: Friday, January 24th, 2020
Months	APY
6	2.05%
12	2.10%
18	2.10%
24	2.15%
30	2.15%
36	2.20%
48	2.20%
60	2.20%
Minimum Amount - $1,000

Early Withdrawal Penalty: Any amount withdrawn prior to the maturity date of this Certificate will be assessed a penalty equal to the amount of the withdrawal times the remaining term (days) of this certificate at the rate of 2 times the current APR (divided by 365) paid on this certificate. The penalty amount will be deducted from the amount withdrawn. Dividends earned will be paid at the end of each month and disbursed as directed by the holder. Funds from Certificates will be deposited into regular shares on the maturity date unless other arrangements are made. Savings federally insured by NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.

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Savings
Average Daily Balance	Daily Savings	Minimum balance to open	Min. Balance to Earn Dividends	Dividends earned each	Dividends paid at end of each	No penalty withdrawal period	Withdrawal penalty on amount
$0 and up	1.80% APY	$5.00	$1	Day	Month	Any time	None

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Funds - Monthly
Average Daily Balance	Daily Savings	Minimum balance to open	Min. Balance to Earn Dividends	Dividends earned each	Dividends paid at end of each	No penalty withdrawal period	Withdrawal penalty on amount
$0 and up	1.90% APY	$1.00	$1.00	Day	Month	1st 5 days of month	7 days dividends

High Rate - Quarterly
Average Daily Balance	Daily Savings	Minimum balance to open	Min. Balance to Earn Dividends	Dividends earned each	Dividends paid at end of each	No penalty withdrawal period	Withdrawal penalty on amount
$0 and up	2.00% APY	$1.00	$1.00	Day	Month	1st 5 days of each qtr.	30 days dividends

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IRA - Quarterly
Average Daily Balance	Daily Savings	Minimum balance to open	Min. Balance to Earn Dividends	Dividends earned each	Dividends paid at end of each	No penalty withdrawal period	Withdrawal penalty on amount
$0 and up	2.00% APY	$2,000.00	$1.00	Day	Month	Any time	None

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Checking
Average Daily Balance	Daily Savings	Minimum balance to open	Min. Balance to Earn Dividends	Dividends earned each	Dividends paid at end of each	No penalty withdrawal period	Withdrawal penalty on amount
$0 and up	1.00% APY	$15.00	$1.00	Day	Month	Any time	None

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Fees may reduce the earnings on the account.

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