|Minimum Average Daily Balance to Earn the Stated APY||Interest Rate||APY*|
|Effective Date: 01/01/20 – 01/31/20
*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For Investment Plus Checking Accounts, the Interest Rate and Annual Percentage Yield may change monthly as determined by the Credit Union’s Board of Directors. Please contact any branch office for further information concerning our Truth-In-Savings Disclosure.