NOTE: For all accounts, except Certificates, dividends are paid from current and available earnings, after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Checking, Savings, Money Market Savings, and IRAs, the prospective Rate and prospective Annual Percentage Yield (APY) are set forth above. The Rate and APY on Savings, and IRA Accounts may change monthly as determined by the Board of Directors. The Rate and APY on Money Market Savings, Titanium Savings and Certificate Accounts may change daily. The Rate and APY for each Certificate Account are set forth above. If a Certificate Account were opened, the applicable Rate and APY set forth above would be paid for the length of the term listed for such account. A substantial penalty may be imposed for early withdrawal on any Certificate Account. For purposes of this disclosure, the Rate and APY were accurate as of the effective date listed above.
*Annual Percentage Yield
