Common use of Rate Information Clause in Contracts

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.00. The minimum balance required to avoid a minimum balance service fee ($2.00 per month) is $1,000.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Schedule. High Yield Savings

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.995,000.00-$24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater 25,000.00-and above the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.005,000.00. The There is no minimum balance required to avoid a minimum balance service fee ($2.00 per month) is $1,000.00on this account. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield Fusion Savings

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.990.00- $2,499.99, the dividend divided rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.992,500.00 -$4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.995,000.00 -$99,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater 100,000.00 and above, the dividend rate paid on the entire balance will be 0.150.15 % with an annual percentage yield (APY) of 0.15%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-Period- For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.002500.00. The minimum balance required to avoid a minimum balance service fee ($2.00 5.00 per month) is $1,000.002500.00. You must maintain a minimum daily balance of $50.00 500.00 in your account each day to obtain the disclosed annual percentage yield. The account requires electronic delivery of statements. If you receive paper statements, you will be charged a fee of $3.00/statement/cycle. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield SavingsEasy Choice Checking Account

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.002,500.00. The minimum balance required to avoid a minimum balance service fee ($2.00 5.00 per month) is $1,000.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. The account requires electronic delivery of statements. If you receive paper statements, you will be charged a fee of $3.00/statement/cycle. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield SavingsSmart Choice Savings Account

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.002,500.00. The minimum balance required to avoid a minimum balance service fee ($2.00 5.00 per month) is $1,000.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. The account requires electronic delivery of statements. If you receive paper statements, you will be charged a fee of $3.00/statement/cycle. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Smart Choice Savings Account Rate Information: Balance Tier Dividend Rate Annual Percentage Yield Savings(APY) $0.01 - $499.99 0.25% 0.25% $500.00 - $1,999.99 0.15% 0.15% $2,000.00 - $4,999.99 0.10% 0.10%

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater 5,000.00-$24,999.99, the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. If your daily balance is $25,000.00-and above the dividend rate paid on the entire balance will be 0.17% with an annual percentage yield (APY) of 0.17%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.005,000.00. The There is no minimum balance required to avoid a minimum balance service fee ($2.00 per month) is $1,000.00on this account. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield Fusion Savings

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater 5,000.00-$24,999.99, the dividend rate paid on the entire balance will be 0.15% with an annual percentage yield (APY) of 0.15%. If your daily balance is $25,000.00-$999,999,999.99, the dividend rate paid on the entire balance will be 0.20% with an annual percentage yield (APY) of 0.20%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.005000.00. The There is no minimum balance required to avoid a minimum balance service fee ($2.00 per month) is $1,000.00on this account. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield Fusion Savings

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.050.10% with an annual percentage yield (APY) of 0.050.10%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater the dividend rate paid on the entire balance will be 0.150.20% with an annual percentage yield (APY) of 0.150.20%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.002,500.00. The minimum balance required to avoid a minimum balance service fee ($2.00 5.00 per month) is $1,000.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. The account requires electronic delivery of statements. If you receive paper statements, you will be charged a fee of $3.00/statement/cycle. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Scheduleschedule. High Yield SavingsSmart Choice Savings Account

Rate Information. This is a variable rate product. The dividend rate and annual percentage yield may change at our discretion, at any time, as determined by the Credit Union’s Board of Directors. Currently, if your daily balance is $0.00-$49.99, the dividend rate paid on the entire balance will be 0.00% with an annual percentage yield (APY) of 0.00%. If your daily balance is $50.00-$499.99, the dividend rate paid on the entire balance will be 0.05% with an annual percentage yield (APY) of 0.05%. If your daily balance is $500.00- $4,999.99, the dividend rate paid on the entire balance will be 0.050.10% with an annual percentage yield (APY) of 0.050.10%. If your daily balance is $5,000.00- $24,999.99, the dividend rate paid on the entire balance will be 0.10% with an annual percentage yield (APY) of 0.10%. If your daily balance is $25,000.00 or greater the dividend rate paid on the entire balance will be 0.150.20% with an annual percentage yield (APY) of 0.150.20%. Compounding and Crediting- Dividends will compound monthly and be credited to your account every month. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Dividend Period-For this account type, the dividend period is monthly. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period. The dividend declaration date is the last day of the dividend period. Accrual of Dividends- Dividends will begin to accrue on deposits on the business day that you make the deposit to your account. Nature of Dividends- Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Minimum Requirements- The minimum balance required to open this account is $50.00. The minimum balance required to avoid a minimum balance service fee ($2.00 per month) is $1,000.00. You must maintain a minimum daily balance of $50.00 in your account each day to obtain the disclosed annual percentage yield. Daily Balance Computation Method- Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day. Account Limitations- Must be age 50 or over. During any statement cycle, you may not make more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, to another credit union account of yours (including a transaction account) or to a third party by means of a preauthorized or automatic transfer or telephonic or electronic (computer) agreement, order or instruction, or by check, draft, debit card, if applicable, or similar order made by you and payable to a third party. If you exceed these transfer limitations, we may refuse to make that transfer, suspend or close your account, or require you to open additional transaction (checking) accounts and/or assess a fee for each incident as set forth in our Fee Schedule. High Yield Savings