Deposit Rates

Effective 2/1/13

Share CertificatesAPRAPY
36 Month Regular or IRA Certificate (minimum balance $500).85%.85%
24 Month Regular or IRA Certificate (minimum balance $500).55%.55%
18 Month Certificate (minimum balance $500).45%.45%
15 Month Certificate (minimum balance $500).40%.40%
12 Month Regular or IRA Certificate (minimum balance $500).35%.35%
8 Month Certificate (minimum balance $500).25%.25%
6 Month Certificate (minimum balance $1,000).20%.20%
3 Month Certificate (minimum balance $1,000).15%.15%

Checking AccountsAPRAPY
Regular Checking Type 10 - Min. Avg. Daily Bal. to Receive Dividend $1,5000.10% 0.10%
Full Service Money Fund Tier 1 Balance $2,500 to $10,0000.10% 0.10%
Full Service Money Fund Tier 2 Balance $10,000 to $25,0000.15% 0.15%
Full Service Money Fund Tier 3 Balance > $25,0000.20% 0.20%
Health Savings Account0.35% 0.35%

Savings AccountsAPRAPY
Regular Shares Type 00 .10%.10%
Vacation Club Type 05.10%.10%
Holiday Club Type 50 .10%.10%
Education Account Type 30 1.50%1.50%
Regular IRA Shares.35%.35%
IRA Roth Shares.35% .35%
APR = Annual Percentage Rate APY = Annual Percentage Yield
See Fee Schedule for all applicable fees.

IRA and Share Certificate and Share Accounts: The applicable dividend rate is paid on the entire balance in your account. The dividend rates and APYs stated above for Share, Draft, and Club accounts are anticipated. The rates and APYs shown for Share Certificates and IRAs are accurate and effective as of the date indicated at the top of the Rate Sheet. Please call the Credit Union at 937.294.1991 or 800.543.9696 for current rate information. Disclosures are available at any office and may be requested by telephone.

Share Certificates of Deposit: Early withdrawal of certificates is subject to an interest penalty. Federal regulations prohibit the guarantee of any dividend, since payment of all dividends is based on available earnings. Ask a Credit Union staff member for further information about the fees and terms applicable to the accounts above. Fees or other conditions could reduce earnings.

Note: All dividends paid and compounded monthly based on daily balance.