*APY = Annual Percentage Yield. Dividends for Savings and IRAs are calculated on the average daily balance and paid quarterly. Rates are subject to change without notice. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI).

^APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid quarterly. Promotional rate of 3.00% APY will be offered for two years from the account opening date. After two years, the rate will convert to the going rate on the Secondary Savings, currently 0.05% APY. Balances above $10,000 will earn the going rate on the Secondary Savings, currently 0.05% APY. $50 minimum direct deposit per month. A $2 fee will be charged for each paper statement mailed to the member; this fee can be avoided by signing up for eStatements. Must enroll in online banking. If the monthly direct deposit is not met, a fee of $3.95 will be charged. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI). One account per member. Some restrictions may apply. Offer effective 4/1/2020 and subject to change without notice. Cannot be combined with other offers.

**APY = Annual Percentage Yield. Some restrictions may apply. One Holiday Savings account per member. Maximum balance is $1,500. Must have regular deposits of at least $20 per month. Dividends are calculated on the average daily balance and paid quarterly; and are tied to the 12 month CD rate. Subject to change without notice. SharePoint is federally insured by the NCUA.