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Term Share Certificates * Terms & Conditions

Rate Information (fixed rate account) – Determined by the deposit amount and term of certificate. 
See current rates being offered.
Compounding frequency - Dividends will be credited to your account every month.
Dividend period - For this account type, the dividend period is monthly.
Minimum balance requirements: You must maintain a minimum daily balance of the principal 
amount originally established in your account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - Dividends are calculated by the daily balance method which 
applies a daily periodic rate to the balance in the account each day.
Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business 
day you place non-cash items (for example, checks) to your account.
Transaction limitations:  After the account is opened, you may not make additions into the 
account until the maturity date stated on the account. You may not make withdrawals of partial 
principal from your account before maturity, the full amount of the certificate will be withdrawn and 
subject to early withdrawal penalty. You can only withdraw dividends credited in the term before 
maturity of the term without penalty.  You can withdraw dividends anytime during the term of crediting 
after they are credited to your account.
Early withdrawal penalties (a penalty imposed for withdrawal before maturity): The penalty we may 
impose will be 90 days of interest using the dividend rate established at the time of the share certificate. 
Withdraw prior to 90 days from date of purchase, may result in loss ofprincipal. 
Penalty will be assessed prior to withdrawing of share certificate. In certain circumstances such as the 
death or incompetence of an owner of this account, the law permits, or in some cases requires, the 
waiver of the early withdrawal penalty.
Withdrawal of dividends prior to maturity - The annual percentage yield is based on an 
assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
Maturity Notification and Disposition - The account will not automatically renew at maturity. 
On the date of maturity, the balance of your share certificate will be transferred to your regular 
(primary) share account.  Ten days prior to maturity, the credit union will notify you by mail at the
 address of record of the pending maturity.  If you wish to renew the certificate, you will need to 
contact the credit union.
This is for information use only, rates are subject to change without notice. 
Please contact the credit union if you are interested in purchasing a Term Share Certificate. 
...for current rates


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