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SHARES
ANNUAL PERCENTAGE YIELDS are effective for the month of  April, 2014

We are constantly striving to maintain competitive rates. Please let us know if you find a rate higher than what we are offering on Term Shares (Certificates of Deposit). We may be able to match it.

FLEXIBLE MONEY FUND
Balance Of             Annual Dividend Rate         Annual Percentage Yield

$ 1,000 - 2,499		 .05%                    .05% 
2,500 - 19,999 .15% .15%
20,000 - 49,999 .20% .20%
50,000 - 99,999 .25% .25%
100,000 & over .30% .30%
Dividends are calculated daily, paid quarterly.
Balances below $1,000.00 do not earn dividends.

TERM SHARE AND IRA TERM ACCOUNTS

Term   		Annual Rate   		*APY  	Dividends Paid 

3 Months .10% .10% At maturity


6 Months .20% .20% At maturity


12 Months .25% .25% Quarterly & maturity

18 Months .35% .35% Quarterly & maturity 
24 Months .45% .45% Quarterly & maturity


36 Months .60% .60% Quarterly & maturity


48 Months .85% .85% Quarterly & maturity

5 Years 1.10% 1.10% Quarterly & maturity

6 Years 1.30% 1.30% Quarterly & maturity

10 Years 1.50% 1.50% Quarterly & maturity
        		*Annual Percentage Yield			
ANNUAL PERCENTAGE YIELDS are in effect for new certificates issued during the week of  4/1/2014
through 4/7/2014.

All Term Shares have a minimum balance of $500 for adult members 18 years or older.  Children under the age of 18 have a minimum deposit of $100.

**Loyalty rates are available based on services used which include MONEY MARKET, IRA, SD(Checking), MM/ATM, HOP (Handi On-line Pay), E-Statement, DIRECT DEPOSIT, AUTO LOAN, HOME EQUITY LOAN, MORTGAGE LOAN, RV LOAN, BOAT LOAN, LINE OF CREDIT, or VISA.  (each service equals .05%.  .25% maximum loyalty rate.  Services used must be up-to-date/current for the loyalty rate to be calculated.) 
These rates are also effective for IRA Term Shares.

REGULAR SHARES

Balance of      Annual Dividend Rate   Annual Percentage Yield  (APY) 

$10.00 - $5,009.99 .05% .05%

$5,010.00 - $10,009.99 .15% .15%

$10,010.00 or more .20% .20%
A $10 minimum deposit required to open the account & to obtain the stated APY. 
A minimum of $10 is required to maintain your share account. 
Dividends are calculated daily and paid quarterly

CHECKING ACCOUNTS
A minimum balance of $10 must be maintained in another share account
0% Annual Dividend Rate

DAILY SHARES, VACATION, ESCROW AND CHRISTMAS CLUB
.05% Annual Dividend Rate, .05% Annual Percentage Yield
Dividends are calculated daily and paid quarterly

IRA/ROTH DAILY SAVINGS Individual Retirement Accounts)
.15% Annual Dividend Rate for balances below $1,000, .15% Annual Percentage Yield; .30% Annual Dividend Rate for balances $1,000 and over, .30% Annual Percentage Yield.
Dividends are calculated daily and paid quarterly

These rates may change on a monthly basis. Any fees incurred may reduce earnings.

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This Credit Union is federally insured by the National Credit Union Administration.

 © The Local Credit Union.