Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and APY are fixed and will be in effect for the term of the account.
2. Compounding and Crediting. Interest will be computed and credited as set forth above. The Interest Period begins on the first calendar day of the Interest Period and ends on the last calendar day of the Interest Period.
3. Balance Information. **The minimum balances required to open each account are set forth above. The dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method. Dividends are calculated by multiplying a daily periodic rate to the principal in the account each day.
4. Accrual of Interest. Interest begins to accrue on cash and noncash (e.g. checks) deposits on the business day you make the deposit to your account.
5. Transaction Limitations. After your account is opened, you may not make additional deposits to your account until after the maturity date. 
6. Maturity. Your account will mature within the term set forth above or the maturity date set forth on your Account Receipt or Renewal Notice.
7. Early Withdrawal Penalty. Partial withdrawals are not allowed and a penalty will be imposed if you withdraw the principal before the maturity date. Interest may be withdrawn before the maturity date without penalty, however if the account is compounded, the APY will be reduced.
8. Renewal Policy. Your account will automatically renew for another term upon maturity at the then current interest rate. You have a grace period of ten (10) days after maturity in which to make deposits or withdrawals without being charged a penalty. If deposits or withdrawals are made during the grace period your APY may be effected. No interest will accrue after the maturity date if the account is not renewed.
9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any business obligations, except obligations with the Credit Union.

Rate and Fee schedules are subject to change.