Term Share Certificate Dividend Rates

Rates Effective February 7, 2012 Until Further Notice

Rate Information. The dividend rate and annual percentage yield for each term certificate are stated above. The Annual Percentage Yield is based on monthly compounding and the assumption that dividends will remain on deposit until maturity. Any withdrawal will reduce earnings.

Balance Information. The minimum balance for each term is stated above. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your certificate each day.

Accrual of Dividends. Dividends will begin to accrue on the business day you purchase a certificate with either cash or non-cash items, such as checks.

Transaction Limitations. After the account is opened, you may not make additional deposits into the account until the maturity date stated on the certificate.

Maturity Date. Your maturity date will be as stated on the certificate.

Early Withdrawal Penalties. 30 days interest, if earned, on the amount withdrawn for certificates of 12 months or less. 90 days interest, if earned, on the amount withdrawn for certificates of over 12 months. In no case will the penalty be less than 7 days interest, whether earned or not, on the amount withdrawn. If the early withdrawal causes the principal amount of the certificate to fall below the minimum required for a certificate for that period of time, the entire principal must be withdrawn and the resulting penalty will be calculated on the entire amount.

Renewal Policies. Your certificate will automatically renew at maturity. You will have a grace period of 10 business days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Dividends will not be paid for the grace period if you do not renew the certificate.

Dividend Period. The dividend period of the Credit Union on this type of account is monthly, beginning on the date the account is opened, and ending on the stated maturity date, unless renewed.

National Credit Union Share Insurance Fund. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.