APY= Annual Percentage Yield. Rates effective . Rates, terms and conditions are subject to change without notice. Please call to verify current rates. Fees charged could reduce earnings. Rates may change after accounts are opened (does not include certificates). A penalty will be imposed for early withdrawal on certificates.

Regular Share
Dividends are earned based on the daily balance computation on accounts with a balance of $100 or greater.  All dividends are paid monthly. 

Share Draft Checking
You must maintain a balance of $100 or more to avoid the $8.00 service fee. The dividend rate reflected will be paid on the daily balance in your account.

Travel & Christmas Clubs
Travel - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.

Christmas - You will earn the stated rate for each day your account maintains a balance of $5.00 or greater. The dividend rate reflected will be paid on the daily balance in your account.

Notice of Changes in Temporary NCUA
Insurance Coverage for Transaction Accounts
In accordance with the Dodd Frank Wall Street Reform and Consumer Protection Act, through December 31, 2012, all funds in "noninterest bearing transaction accounts" are insured in full by the National Credit Union Administration. This unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term "noninterest bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no dividend. It does not include any transaction account that may earn dividends, such as a negotiable order of withdrawal ("NOW") account, money market account, or Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.

The temporary full insurance coverage of "noninterest bearing transaction accounts" expires on December 31, 2012. After December 31, 2012, funds in noninterest bearing transaction accounts will be insured under the NCUA's general share insurance rules, subject to the Standard Maximum Share Insurance Amount of $250,000.

For more information about NCUA insurance coverage of transaction accounts, visit http://www.ncua.gov.