| Effective Date: 5/1/13. $500 Minimum balance to open |
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| IRA Certificates | Dividend Rate | Annual Percentage Yield (A.P.Y.) |
| 12 Month | 0.36% | 0.36% |
| 18 Month* | 0.53% | 0.53% |
| 24 Month | 0.51% | 0.51% |
| 36 Month | 0.61% | 0.61% |
| 48 Month | 0.71% | 0.71% |
| 60 Month | 1.11% | 1.11% |
*Member has option to bump up rate one time during term.
Dividends calculated on average daily balance and compounded quarterly. The rates listed are accurate and effective as of the date indicated above. Rates & terms are subject to change without notification. A penalty and/or account closure will be imposed for withdrawals before maturity. Fees may reduce earnings. For additional information on your account please refer to the Rate & Fee Schedule and/or Membership & Account Agreement. If you have any questions or require current rate information please call the Credit Union at (757) 877-2444.
