Dividend Declaration Date: November 1, 2009
The annual percentage yield (APY) assumes that dividends will remain on deposit; withdrawals and fees will reduce earnings. The Dividend Rate and Annual Percentage Yield are variable and may change every dividend period as determined by the credit union's Board of Directors. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the 3rd business day following your deposit. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. If an account is closed before dividends are credited, it will not receive accrued dividends. Tiered Accounts: Dividends are paid on the entire balance in the account at the rate that corresponds to that tier.
Account Terms (Membership Share, Checking, and Money Manager): - The dividend period is monthly. Dividends will be compounded monthly and will be credited monthly. For example, the beginning date of the first dividend period of the calendar year is August 1 and ending date of such dividend period is July 31. Money Manager: If you exceed three withdrawals within a calendar month, your account will be assessed a $3.00 fee per withdrawal.
(1) Must maintain Membership Share Account minimum balance.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, a U.S. government agency. IRAs separately insured up to $250,000 by the NCUA.

Dividend Rate and Annual Percentage Yield are accurate as of .
Certificate Terms: - Dividends are compounded quarterly. If you close a Certificate before dividends are credited, you will receive accrued dividends. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the business day you deposit to your account. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield are variable and are determined by the Board of Directors with the rate being in effect for the term of the Certificate. Early withdrawal penalties may be imposed if you withdraw any of the funds before maturity date. The penalty will equal 30 days' dividends on Certificates with a term of one year or less and 90 days' dividends on Certificates with a term of more than one year. If there are not sufficient dividends to cover the penalty, the penalty will be deducted from the principal.
Renewal Policies & Grace Period: Certificates will automatically renew at maturity and will not have a grace period.
(1) Must maintain Membership Share Account minimum balance.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, a U.S. government agency. IRAs separately insured up to $250,000 by the NCUA.