Savings and Deposit Rates

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Savings/Deposit Accounts

Account Type	Dividend Rates	APY	Interest
Share Accounts*	.15%	.15%	Compounded and paid quarterly
Business Share Accounts*	.15%	.15%	Compounded and paid quarterly.
Share Draft Accounts**	.05%	.05%	Compounded and paid quarterly. $500 minimum required.
Business Share Draft Accounts****	.05%	.05%	Compounded and paid quarterly. $500 minimum required.
Senior Share Draft Accounts**	.05%	.05%	Compounded and paid quarterly. $500 minimum required.
Christmas Club Account***	.15%	.15%	Compounded and paid quarterly

* Minimum to open $5, minimum balance $5
** No minimum balance required to open, no service charge, age 55+ 1 free box of checks per year
*** No minimum balance required to open, no withdrawals prior to distribution date, balance on deposit distributed on November 15 of each year
**** No minimum balance required to open, no service charge

Cash Management

Amount	Dividend Rates	APY	Interest
$1,999 or Less	.15%	.15%	Compounded and paid monthly
$2,000-$24,999.99	.20%	.25%	Compounded and paid monthly
$25,000-$49,999.99	.40%	.45%	Compounded and paid monthly
$50,000-$99,999.99	.50%	.55%	Compounded and paid monthly
$100,000 and over	.55%	.60%	Compounded and paid monthly

Minimum to open $2,000
6 withdrawals per month

IRA Certificates – Traditional and Roth

Term	Dividend Rates	APY	Interest
6 months	3.85%	3.92%	Compounded and paid monthly
12 months	4.40%	4.49%	Compounded and paid monthly
24 months	3.25%	3.29%	Compounded and paid monthly
36 months	3.30%	3.35%	Compounded and paid monthly
60 months	3.50%	3.55%	Compounded and paid monthly

Minimum to open $500.

Share Certificates

Term	Dividend Rates	APY	Interest
6 months	3.85%	3.92%	Compounded and paid monthly
12 months	4.40%	4.49%	Compounded and paid monthly
24 months	3.25%	3.29%	Compounded and paid monthly
36 months	3.30%	3.35%	Compounded and paid monthly
60 months	3.50%	3.55%	Compounded and paid monthly

Minimum to open $500

Early Withdrawal Penalties. We will impose a penalty if You withdraw any principal funds before the maturity date. For Accounts with a term to maturity equal to or less than 12 months, the penalty imposed will equal 90 days’ interest. For Accounts with a term to maturity greater than 12 months, the penalty imposed will equal 180 days’ interest.

IRA Club Accounts

Minimum Balance	Dividend Rates	APY	Interest
$100	.15%	.15%	Compounded and paid quarterly

TUTMA

Dividend Rates	APY	Interest
.15%	.15%	Compounded and paid quarterly

Interest calculated daily. Rates are subject to change at anytime. Please contact the credit union for current rates.

Safe Deposit Box Fees

Size	Fee
3x5x21	$20/yr
3x10x21	$30/yr
5x10x21	$40/yr
10x10x21	$60/yr