Personal Deposit Rates Checking | Savings | Money Market | CD | IRA Basic CheckingRates Effective: January 1, 2009 Minimum to Open Interest Rate Annual Percentage Yield Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance $100 N/A N/A N/A N/A Sign-Up for Rate Alert Interest Checking (Tiered Rate)Rates Effective: June 1, 2009 Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance $0-$999.99 0.10% 0.10% $500 avg. balance for the month $7.00 $1,000-$4,999.99 0.10% 0.10% $500 avg. balance for the month $7.00 $5,000 and higher 0.15% 0.15% $500 avg. balance for the month $7.00 1Rates subject to change. Buzz Checking (designed for members age 13 – 17)Rates Effective: January 1, 2009 Minimum to Open Interest Rate Annual Percentage Yield Minimum Balance to Avoid Service Fees Monthly Service Fee if Below Minimum Balance $25 N/A N/A N/A N/A Sign-Up for Rate Alert Regular Savings Rate1Rates Effective: January 1, 2009 Interest Rate Annual Percentage Yield Minimum Balance Minimum Balance to Earn Interest 0.10% 0.10% $5 $5 1Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF). Sign-Up for Rate Alert Market Rate Savings (Tiered Rate)Rates Effective: September 1, 2009 Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance Minimum Balance to Earn Interest $0-$2,499.99 0.10% 0.10% $0.01 $0 $2,500-$9,999.99 0.10% 0.10% $0.01 $0 $10,000-$24,999.99 0.20% 0.20% $0.01 $0 $25,000-$49,999.99 0.30% 0.30% $0.01 $0 $50,000-$99,999.99 0.40% 0.40% $0.01 $0 $100,000 and higher 0.50% 0.50% $0.01 $0 1Annual Percentage Yield subject to change. Sign-Up for Rate Alert IRA SavingsRates Effective: June 1, 2010 Interest Rate Annual Percentage Yield Minimum Balance Minimum Balance to Earn Interest 0.50% 0.50% $0.01 $0 Sign-Up for Rate Alert FlexSmartSM Money Market Account (Tiered Rate)1Rates Effective: September 1, 2010 Deposit Amount Interest Rate Annual Percentage Yield2 Minimum Balance Monthly Service Fee if Below Minimum Balance $0-4,999.99 0.00% 0.00% $1,000 $10 $5,000-$9,999.99 0.10% 0.10% $1,000 $10 $10,000-$24,999.99 0.35% 0.35% $1,000 $10 $25,000-$49,999.99 0.45% 0.45% $1,000 $10 $50,000-$99,999.99 0.55% 0.55% $1,000 $10 $100,000+ 0.75% 0.75% $1,000 $10 1$10,000 minimum deposit to open. 2Annual Percentage Yield subject to change. Sign-Up for Rate Alert Money Market IRARates Effective: September 1, 2010 Deposit Amount Interest Rate Annual Percentage Yield1 Minimum Balance Monthly Service Fee if Below Minimum Balance $0-$9,999.99 0.50% 0.50% $0.01 $0 $10,000-$24,999.99 0.60% 0.60% $0.01 $0 $25,000-$49,999.99 0.70% 0.70% $0.01 $0 $50,000-$99,999.99 0.80% 0.80% $0.01 $0 $100,000-$249,999.99 1.00% 1.00% $0.01 $0 $250,000 and higher 1.15% 1.15% $0.01 $0 1Annual Percentage Yield subject to change. Sign-Up for Rate Alert Standard Rate Certificates of DepositRates Effective: September 1, 2010   $1,000 - $49,999.99 $50,000 and higher Term Interest Rate Annual Percentage Yield1 Interest Rate Annual Percentage Yield1 3 mos.2 0.40% 0.40% 0.40% 0.40% 6 mos.2 0.50% 0.50% 0.50% 0.50% 12 mos.2 0.80% 0.80%3 0.80% 0.80%3 18 mos.2 1.00% 1.00%3 1.00% 1.00%3 24 mos.2 1.20% 1.20%3 1.20% 1.20%3 36 mos. 1.69% 1.70% 1.69% 1.70% 48 mos. 1.99% 2.00% 1.99% 2.00% 1Annual Percentage Yield subject to change. 2Subsequent deposits of ($100 minimum each) are allowed on Certificates of Deposit with terms of 3, 6, 12, 18, or 24 months. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month Certificate of Deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. All deposits exclude promotional offerings unless otherwise stated. 3Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers. Sign-Up for Rate Alert Standard Rate Annual Withdrawal Certificates of DepositRates Effective: September 1, 2010   $5,000 - $49,999.99 $50,000 - $99,999.99 $100,000 and higher Term Interest Rate Annual Percentage Yield1 Interest Rate Annual Percentage Yield1 Interest Rate Annual Percentage Yield1 60 mos. 2.38% 2.40% 2.38% 2.40% 2.38% 2.40% 1Annual Percentage Yield subject to change. Sign-Up for Rate Alert Standard Rate Traditional & Roth IRA Certificates of DepositRates Effective: September 1, 2010   $1,000 - $49,999.99 $50,000 and higher $100,000 and higher Term1 Interest Rate Annual Percentage Yield2 Interest Rate Annual Percentage Yield2 Interest Rate Annual Percentage Yield2 3 mos. 0.40% 0.40% 0.40% 0.40% - - 6 mos. 0.50% 0.50% 0.50% 0.50% - - 12 mos.3 0.80% 0.80% 0.80% 0.80% - - 18 mos.3 1.00% 1.00% 1.00% 1.00% - - 24 mos.3 1.20% 1.20% 1.20% 1.20% - - 36 mos. 1.69% 1.70% 1.69% 1.70% - - 48 mos. 1.99% 2.00% 1.99% 2.00% - - 60 mos. 2.38% 2.40% 2.38% 2.40% 2.38% 2.40% 1Subsequent deposits can be made on Traditional and Roth IRA Certificates of Deposit. 2Annual Percentage Yield subject to change. 3Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers. Rates are variable and subject to change daily. Fees and withdrawals could reduce the earnings on accounts. Note: This Deposit Rate Sheet sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, IRA, and Certificate of Deposit Accounts at OnPoint at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement. The Truth-in-Savings Disclosure and the Annual Withdrawal Certificate of Deposit Truth-in-Savings Disclosure are available for viewing online. Early withdrawal fees apply. See Truth-in-Savings Disclosure for complete terms. For IRA accounts consult your tax advisor for contribution limits. This credit union is federally insured by the National Credit Union Administration (NCUA).