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Savings Accounts
CDs and IRAs

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Savings Rates

Effective April 1, 2013




Account Description APR APY
Savings
    $100 -$1,000 -
    $1,001 - $3,000 -
    $3,001 - $5,000 -
    $5,001 - $10,000 -
    Over $10,000 -

0.05%
0.07%
0.10%
0.15%
0.20%

0.05%
0.07%
0.10%
0.15%
0.20%
Minimum of $25.00 in account maintains credit union membership. Dividends calculated by the daily balance method* and posted quarterly.
Share Draft ($1,000 min.) 0.05% 0.05%
Dividends calculated by daily balance method* and posted quarterly.
Christmas Club 0.10% 0.10%
Dividends calculated by daily balance method* and posted quarterly.
Vacation Account 0.05% 0.05%
Dividends calculated by daily balance method* and posted quarterly. Minimum $10. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Rainy Day Account 0.05% 0.05%
Dividends calculated by daily balance method* and posted quarterly. Minimum $25. Withdrawals limited to three per calendar year. Penalty for excess withdrawals $25.
Money Market ($5,000 min.)
    $5,000 - $10,000 -
    Over $10,000 -
0.20%
0.30%
0.20%
0.30%
Dividends calculated by daily balance method* and posted monthly on the first day of the month. Variable rate account. Rate subject to change.



Account Description Term APR APY
Share Certificate Deposit
(Interest posted at maturity)
   $5,000 - $50,000 -



   Over $50,000 -
(Interest posted quarterly)

6 mos.
12 mos.
24 mos.
36 mos.

6 mos.
12 mos.
24 mos.
36 mos.

0.25%
0.30%
0.50%
0.60%

0.30%
0.35%
0.55%
0.65%

0.25%
0.30%
0.50%
0.60%

0.30%
0.35%
0.55%
0.65%
Individual Retirement Account
(Interest posted at maturity)
   $2,000 - $25,000 -



   Over $25,000 -
(Interest posted quarterly)

12 mos.
18 mos.
30 mos.
36 mos.

12 mos.
18 mos.
30 mos.
36 mos.

0.50%
0.60%
0.70%
0.75%

0.55%
0.65%
0.75%
0.80%

0.50%
0.60%
0.70%
0.75%

0.55%
0.65%
0.75%
0.80%
IRA Accumulative
Roth IRA Accumulative
-- 0.35%
0.35%
0.35%
0.35%
Dividends posted quarterly. Variable rate account. Rate subject to change.

APR=Annual Percentage Rate. APY=Annual Percentage Yield.
Rates are subject to change.

*The daily balance method applies a daily periodic rate to the balance in the account each day.


NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
EHL
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.