The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Dividends will be compounded every month. Dividends will be credited to your account every month.

For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

The minimum balance required to open this account online is $1000. Please refer to our fee and service charge schedule for applicable fees. You must maintain a minimum daily balance of $1,000 in your account each day to obtain the disclosed annual percentage yield.

No transaction limitations apply to this account.

• Statements: $5 per statement
• Courtesy Pay: Yes, must opt-in
• Overdraft Protection: Available
• Share Branch Accessibility: Yes
• Additional fees may apply - Please refer to our fee and service charge schedule