| Share Rate Types | Minimum to Open | Minimum Balance to Earn Dividend | Anticipated Dividend Rate | Anticipated Annual Dividend Rate |
| Membership Savings | $25 | $200 | 0.02% | 0.02% |
| | $5,000.01 | 0.05% | 0.05% |
| | $15,000.01 | 0.15% | 0.15% |
| Money Market Savings | $2,000 | $2,000 | 0.50% | 0.50% |
| Christmas Club | $25 | $25 | 0.03% | 0.03% |
| IRA Savings | $25 | $0.01 | 0.20% | 0.20% |
| Free Checking | $100 | | N/A | N/A |
| Standard Checking | $100 | $500 | 0.02% | 0.02% |
| Fees could reduce earnings on the account. Membership and Money Market savings accounts have transaction limitations and will be subject to excess withdrawal fees if those limits are reached. See Fee Schedule for the amounts. |
| * You must maintain the minimum daily balance in your account to obtain the annual percentage yield. |
| ** You must maintain a minimum daily balance in your account to avoid a service fee. If, during any month, your account balance falls below the required |
| minimum daily balance, your account will be subject to the disclosed Monthly Service Fee for that month. |
| *** You must maintain direct deposit in your Free Checking account. If you fail to maintain direct deposit, the account will be subject to the same monthly service fee as the Standard Checking. |
