|Dividend Rate1||APY2||Compounding||Minimum Balance||Minimum Deposit|
|Fresh Start Checking||0.00%||0.00%||None||$0|
|Youth Super Saver3||0.22%||0.22%||Monthly||$0|
|Holiday & Vacation Club4||0.22%||0.22%||Monthly||$0||$10|
1Dividends are calculated on the Daily Balance Method for all accounts. 2APY = Annual Percentage Yield, and is based on the assumption that requirements will be met. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the conditions are different from the above assumptions. 3Open to members under the age of 18 (Teen Checking is available for ages 13 to 18). 4One scheduled distribution per year on both the Holiday Club and Vacation Club accounts - November 1 and June 1, respectively. Both accounts carry an early withdrawal fee of $15.