|Savings and Checking|
|Effective Date: April 1, 2013|
|Type of Account||APY||Interest Rate||Minimum Balance|
|Senior Club Checking||0.00%||0.00%||$0|
|Minimum balance must be maintained to earn dividends. Fees may reduce earnings on the above accounts. Federally insured by NCUA. Dividends calculated by the Average Daily Balance Method. APY=Annual Percentage Yield.|
|All rates are subject to change at the sole discretion of the Board of Directors.****|
For further information on each account, please refer to our All About Your Accounts Brochure on Terms and Conditions, Electronic Transfers, Funds Availability, Funds Transfers, and Truth In Savings. Schedule Of Fees.