Our Share accounts are interest-bearing accounts. Dividends are compounded daily and paid on a monthly basis. For Share and Christmas Club accounts, the dividend rate and Annual Percentage Yield (APY) may change monthly as determined by the Credit Union's Board of Directors. The Share Account is a Tiered Rate Account. If your account balance is $999.99 or below, the first Dividend Rate and APY listed for this account in the Rate schedule will apply. If your account balance is from $1000.00 to $4999.99, the second Dividend Rate and APY listed for this account will apply. If your account balance is $5,000.00 to $9,999.99, the third Dividend Rate and APY listed for this account will apply. If your account balance is $10,000.00 or greater, the fourth Dividend Rate and APY for this account will apply. Once a particular balance range is met, the Dividend Rate and APY listed for that balance range will apply to the full balance of your account. Please see our most current Dividend Rate Sheet for rates.

SHARE BALANCE REQUIREMENTS

Minimum Opening Deposit	$50.00
Minimum Balance to Avoid a Service Fee	$50.00
Minimum balance to earn the state APY	$50.00

CHRISTMAS CLUB BALANCE REQUIREMENTS

Minimum Opening Deposit	$0.00
Minimum Balance to Avoid a Service Fee	$0.00
Minimum balance to earn the state APY	$0.00

SHARE DRAFT BALANCE REQUIREMENTS

Minimum Opening Deposit	$20.00
Minimum Balance to Avoid a Service Fee	$0.00
Minimum balance to earn the state APY	$0.00

Our Certificate Rates are based on the deposit amount and term of the Certificate. Dividends are compounded daily and paid at maturity. The Dividend Rate and Annual Percentage Yield (APY) may change monthly as determined by the Credit Union's Board of Directors.

SHARE CERTIFICATE BALANCE REQUIREMENTS

Minimum Opening Deposit	$2,500.00
Additional Deposits	Not allowed
Withdrawals	Allowed-With Penalty
Renewable	Automatic
Term	1 Year

Complete details and disclosures of all account information are available from our Member Services Representatives at 317-327-2600.