*Rewards Checking: The Rewards Checking account is a tiered rate account. The rate tiers are as follows: the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule of the Truth-In-Savings Disclosure applies to balances of $0.01 – $10,000.00 and the second Dividend Rate and Annual Percentage Yield listed for this account applies to balances over $10,000.00 if qualifications are met during the Monthly Qualification Cycle. Each rate will apply only to that portion of the account balance within each range. The third Dividend Rate and Annual Percentage Yield listed for this account applies to all balances if the qualifications are not met. All balances will earn 0.05% APY – 0.03% APY if qualifications are met. The disclosed Rewards Checking APY is based on compounding dividends. The actual dividends paid may be less than the disclosed APY. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. The qualifications per Monthly Qualification Cycle are: 1) Have at least ten (10) signature-based debit card purchases post and settle. PIN based transactions do not count toward qualifying signature-based debit card purchases. When given the option, always choose, “Credit” to complete your purchase. Transactions may take one or more banking days from transaction date to post to an account. Debit card transactions processed by merchants and received by the Credit Union as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the Credit Union as POS transactions count towards qualifying debit card transactions. 2.) Have at least one (1) automatic payment or direct deposit post and settle. Intra-bank transfers do not count as qualifying transactions. 3.) Receive eStatements and eNotices. 4.) Be enrolled and log into online banking. For the Rewards Checking account, the Monthly Qualification Cycle is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the current statement cycle. One (1) Rewards Checking account allowed per primary member’s Social Security Number. This account is available to consumer/personal accountholders only. Rates may change after account is opened. Fees may reduce earnings.

*Minimum to open account is $25. The monthly service fee for this account is $5.00. This fee may be reduced by doing the following during the monthly qualification cycle: $1.00 reduction in fee for enrolling in and receiving eStatement notice and $0.25 reduction in fee for each posted and settled signature-based debit card purchase. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the current statement cycle. The monthly fee may also be waived if a minimum daily balance of $1,000 is maintained throughout the monthly qualification cycle.