Current rates and fees are listed on separate pages.

Except as specifically described, the following disclosures apply to all of the accounts.  All accounts described in this disclosure are share accounts.

1.  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 all accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union's Board of Directors.  The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.  The Money Market Savings account is a Tiered Rate account.  If your account balance is $9,.999.00 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the rate schedule will apply.  If your account balance is from $10,000.00 to $19,000.00, the second Dividend Rate and Annual Percentage Yield listed for this account will apply.  If you account balance is $20,000.00 or greater, the third Dividend Rate and Annual Percentage Yield listed for this account will apply.  Once a particular balance range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.  The IRA Savings account is a Tiered Rate account.  If your account balance is $9,999.00 or below, the first Dividend Rate and Annual Percentage Yield listed for this account in the rate schedule will apply.  If your account balance is from $10,000.00 to $19,000.00, the second Dividend Rate and Annual Percentage Yield listed for this account will apply.  If your account balance is $20,000.00 or greater, the third Dividend Rate and Annual Percentage Yield listed for this account will apply.  Once a particular balance range is met, the Dividend Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account.

2.  Nature of Dividends.  Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3.  Dividend Compounding and Crediting.  The compounding and crediting of dividends and dividend period applicable to each account are set forth in the rate schedule.  The dividend period is the period of time at the end of which an account earns dividend credit.  The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

4.  Accrual of Dividends.  For all accounts, dividends will begin to accrue on non-cash deposits (e.g., checks) on the business day you make the deposit to your account.

5.  Balance Information.  The minimum balance requirements applicable to each account are set forth in the rate schedule.  For Savings and Checking accounts, there is a minimum balance in all accounts required to avoid a service fee for the dividend period.  If the minimum balance is not met, there will be a service fee as set forth on our fee schedule.  For Money Market Savings accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period.  If the minimum daily balance is not met, the credit union will close the account on the date that the balance is reduced below the minimum and will deposit the remaining balance into the member's Savings account.  For all accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6.  Account Limitations.  For Savings, Money Market Savings, Holiday Club Savings and Vacation Club Savings accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of those six (6) transfers may be made by check, draft, or debit card to a third party.  If you exceed these limitations, your account may be subject to a fee or be closed.  For a Holiday Club Savings account, the entire balance will be paid to you by check or transferred to another account of yours on or after October 1 and the account will remain open.  If you withdraw any of the account balance at any time, we will close your account and pay you the full account balance.  You may make transfers or withdrawals in the first seven days after the account is opened without restriction.  For a Vacation Club Savings account, the entire balance will be paid to you by check or transferred to another account of yours on or after April 30 and the account will remain open.  If you withdraw any of the account balance at any time, we will close your account and pay you the full account balance.  You may make transfers and withdrawals in the first seven days after the account is opened without restriction.  For Money Market Savings accounts, the minimum withdrawal amount is $500.00.  For IRA Savings accounts, if more than two (2) premature withdrawals are made during the same calendar year, the IRA account will be closed.  For Select and Basic checking accounts, no account limitations apply.