Share Certificate Special! 15 Months at 4.30% APY*

Rates effective as of: December 5, 2025

1. RATE INFORMATION. All certificate rates are fixed. The Annual Percentage Yield (APY) 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. The dividend rate and Annual Percentage Yield (APY) are fixed and will be in effect for the initial term of the account. The rates for Renewals shall be those rates in effect at the time of renewal. The APY stated is based on the assumption that dividends will remain on deposit until maturity; a withdrawal of dividends will reduce earnings.

2. NATURE OF DIVIDENDS. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield are accurate as of the effective date and is the rate which the credit union anticipates paying for the applicable dividend period.

3. COMPOUNDING AND CREDITING. The frequency with which dividends will be compounded and credited is set forth above. The “Month” begins on the first calendar day of the month and ends on the last calendar of the month.

4. ACCRUAL OF DIVIDENDS. Dividends will begin to accrue on the business day that you deposit cash and noncash items.

5. BALANCE INFORMATION. The minimum balance requirements for each account type are set forth above. Minimum balance requirements may include the minimum balance that must be maintained each day to earn the stated Annual Percentage Yield for that account. For all accounts, we use the Daily Balance Method to calculate dividends on your account. The Daily Balance Method applies a daily periodic rate to the balance in the account each day.

6. TRANSACTION LIMITATIONS. After your account is opened, you may not make additional deposits, except during the renewal grace period.

7. EARLY WITHDRAWAL; PENALTIES. For all certificate accounts, earned dividends can be withdrawn at any time and without an early withdrawal penalty. Earned dividend withdrawals from IRA certificates are considered a distribution and may be subject to taxation. However, penalties will be assessed for early withdrawal of the deposited principal amount. The amount of the early withdrawal penalty is based on the term of your account as set forth above and the amount of principal withdrawn. The penalty is calculated using the current certificate rate, as a forfeiture of part of the dividends that have been or would be earned on the amount of the principal amount withdrawn. It applies whether or not dividends have been earned. The penalty may be deducted from the principal amount of the certificate. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty if an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction.

8. RENEWAL POLICY. Unless you otherwise instruct us, your share certificate will automatically renew at maturity. You will have a 10-day grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Renewal terms are outlined above. During the grace period, you may elect to deposit or withdraw part of the funds from the certificate.

Rates effective as of: December 5, 2025

1. RATE INFORMATION. All certificate rates are fixed. The Annual Percentage Yield (APY) 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. The dividend rate and Annual Percentage Yield (APY) are fixed and will be in effect for the initial term of the account. The rates for Renewals shall be those rates in effect at the time of renewal. The APY stated is based on the assumption that dividends will remain on deposit until maturity; a withdrawal of dividends will reduce earnings.

2. NATURE OF DIVIDENDS. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield are accurate as of the effective date and is the rate which the credit union anticipates paying for the applicable dividend period.

3. COMPOUNDING AND CREDITING. The frequency with which dividends will be compounded and credited is set forth above. The “Month” begins on the first calendar day of the month and ends on the last calendar of the month.

4. ACCRUAL OF DIVIDENDS. Dividends will begin to accrue on the business day that you deposit cash and noncash items.

5. BALANCE INFORMATION. The minimum balance requirements for each account type are set forth above. Minimum balance requirements may include the minimum balance that must be maintained each day to earn the stated Annual Percentage Yield for that account. For all accounts, we use the Daily Balance Method to calculate dividends on your account. The Daily Balance Method applies a daily periodic rate to the balance in the account each day.

6. TRANSACTION LIMITATIONS. After your account is opened, you may not make additional deposits, except during the renewal grace period.

7. EARLY WITHDRAWAL; PENALTIES. For all certificate accounts, earned dividends can be withdrawn at any time and without an early withdrawal penalty. Earned dividend withdrawals from IRA certificates are considered a distribution and may be subject to taxation. However, penalties will be assessed for early withdrawal of the deposited principal amount. The amount of the early withdrawal penalty is based on the term of your account as set forth above and the amount of principal withdrawn. The penalty is calculated using the current certificate rate, as a forfeiture of part of the dividends that have been or would be earned on the amount of the principal amount withdrawn. It applies whether or not dividends have been earned. The penalty may be deducted from the principal amount of the certificate. Exceptions to Early Withdrawal Penalties: We may, at our option, pay the account before maturity without imposing an early withdrawal penalty if an account owner dies or is determined to be legally incompetent by a court or other body of competent jurisdiction.

8. RENEWAL POLICY. Unless you otherwise instruct us, your share certificate will automatically renew at maturity. You will have a 10-day grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Renewal terms are outlined above. During the grace period, you may elect to deposit or withdraw part of the funds from the certificate.