This account is a Variable Rate Account. You can earn a higher dividend rate and still maintain access to your money.

Rates Effective July 1, 2011

Dividend Rate	APY*
0.55%	0.55%

*Annual Percentage Yield

• Dividends Compounded Monthly
• Dividends Credited Monthly
• Dividend Period Calendar Month
• Minimum to Open $2500.00
• Minimum Balance to Obtain APY $2500.00
• Account Limitations: Account Transfer and Withdrawal Limitations apply. $200 Minimum Withdrawal

Compounding and Crediting
Dividends will be compounded monthly and will be credited to your account monthly. If you close this account before dividends are credited, the accrued dividends will not be paid.

Minimum Requirements
The minimum balance to open this account is $2,500.00. If the balance falls below the $2,500.00 minimum, you may be charged a fee as shown under "Fees and Charges".

The minimum withdrawal is $200.00

Fees and Charges
The following fees and charges may be assessed against your account:

• Fees for going below the $2,500 minimum $15.00 monthly
• Withdrawals or transfers above the six (6) monthly $ 5.00 each
• Check withdrawals above three (3) monthly $ 5.00 each
• All other current checking account fees will apply as stated in the Rate & Fee Schedule

Transaction Limitations
Up to six (6) transfers or withdrawals are permitted per month at no charge, three (3) of which can be by check. Each withdrawal by check in excess of three (3) per month is charged as shown above. Each withdrawal or transfer in excess of six (6) per month is charged as shown above.

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