*If the balance falls below the $2,500.00 minimum balance requirement, a $10.00 monthly maintenance fee will be imposed.  During any statement period, you may not make more than six (6) withdrawals or transfers to another Credit Union account of yours or to a third party by means of preauthorized or automatic transfer or telephonic order or instructions.  No more than three (3) of the six (6) transfers may be made by check, draft, debit card, if applicable, or similar order to a third party.  If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closures by the Credit Union or to a fee of $10.00.  Minimum withdrawal amount is $500.00.

**APY=Annual Percentage Yield.

All rates effective as of 01/02/2009.