With automatic payroll deduction, building a retirement account can be easy. IRA Savings account minimum balance is $5.00.

Rates Effective July 1, 2012

Tiered	Dividend Rate	APY*
Up to $999	0.10%	0.10%
$1,000-$4,999	0.10%	0.10%
$5,000-$14,999	0.10%	0.10%
$15,000-$19,999	0.10%	0.10%
$20,000 & Over	0.25%	0.25%

*Annual Percentage Rate

• Dividends Compounded Quarterly
• Dividends Credited Quarterly
• Dividend Period Calendar Quarter
• No Minimum Balance to Obtain APY
• No Account Limitations

TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES
Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Rate and Fee Schedule are share accounts.

Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Certificate and IRA Share Certificate accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Share, Share Draft, Vacation, Scottie Savers Club, Christmas Club, and IRA accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union’s Board of Directors. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Complete Disclosure Information