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Balance - Financial Fitness Program

Investment Rates as of December 1, 2014
SAVINGS ACCOUNTS
TYPE RATE* APY** COMMENTS
Shares 0.25% 0.25% Minimum Balance $50
Rocky Raccoon 4.00%
0.25%
4.06%
0.25%
Minimum Balance $5 to $500
Minimum Balance $500 and over
Money Market 0.25%
0.30%
0.35%
0.40%
0.25%
0.30%
0.35%
0.40%
$2,500 to $9,999
$10,000 to 49,999.99
$50,000 to 99,999.99
$100,000+
IRA SHARES (Split-rate)
TYPE RATE* APY** COMMENTS
IRA Shares 1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
1.00%
$50 to $1,999
$2,000 to 4,999.99
$5,000 to 9,999.99
$10,000 to $19,999
$20,000 & Over

+IRA minimum rate is currently 1.00% APY
CERTIFICATE ACCOUNTS
TYPE TERM MINIMUM AMOUNT
RATE* APY**
Money Market 6 Month $5,000 0.50% 0.50%
    $60,000 0.50% 0.50%
Money Market 12 Month $1,000 0.60% 0.60%
    $60,000 0.60% 0.60%
+IRA   $1,000 1.00% 1.00%
Money Market 24 Month $1,000 0.75% 0.75%
    $60,000 0.75% 0.75%
+IRA   $1,000 1.00% 1.00%
Money Market/IRA 36 Month $1,000 1.00% 1.00%
    $60,000 1.00% 1.00%
Money Market/IRA 60 Month $1,000 1.39% 1.40%
    $60,000 1.49% 1.50%
10 Month Member Appreciation 10 Month $500 (Max $20,000) 1.00% 1.00%
20 Month Member Appreciation 20 Month $500 (Max $20,000) 1.24% 1.25%

*Rates subject to change
**Annual Percentage Yield

EARLY WITHDRAWAL PENALTY:
Terms of 12 months or less: 90 days dividends on amount withdrawn.>br> Terms of more than one year: 180 days dividends on amount withdrawn.

ACCOUNTS INSURED TO $250,000 BY N.C.U.A., AN AGENCY OF THE US GOVERNMENT
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