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Checking Rates

Types	Minimum to Open	# of Debit Transactions	Dividend	APY^	Min Bal to Earn Dividend
Vertical Checking*	$25	15+	3.25%	3.30%	N/A
Platinum Rewards Checking**	$25	15+	0.005%	0.005%	$500
Business Dividend Checking	$100	N/A	0.005%	0.005%	$1,000
Classic Checking	$25	N/A	0.005%	0.005%	$500
Classic Debit Checking	$25	N/A	0.005%	0.005%	$500
Health Savings Checking	N/A	N/A	1.99%	2.01%	$500
Investor Checking	$25	N/A	tiered dividends based on account balance
$1,000 - $9,999	-	-	0.15%	0.15%	$1,000
$10,000 - $24,999	-	-	0.15%	0.15%	$10,000
$25,000 - $49,999	-	-	0.21%	0.21%	$25,000
$50,000 or more	-	-	0.25%	0.25%	$50,000

Certificate Rates

Terms	Dividend Rate	APY^	Minimum Balance #
3 Month Certificate	0.40%	0.40%	$1,000
6 Month Certificate	0.65%	0.65%	$1,000
8 Month Certificate	0.50%	0.50%	$1,000
1 Year Certificate	0.80%	0.80%	$1,000
14 Month Certificate	0.85%	0.85%	$1,000
17 Month Certificate	0.90%	0.90%	$1,000
18 Month Certificate	0.90%	0.90%	$1,000
2 Year Certificate	1.04%	1.04%	$1,000
30 Month Certificate	1.09%	1.10%	$1,000
3 Year Certificate	1.14%	1.15%	$1,000
4 Year Certificate	1.19%	1.20%	$1,000
5 Year Certificate	1.24%	1.25%	$1,000
6 Year Certificate	1.29%	1.30%	$1,000

Money Market Share Rates

Tiers	Dividend Rate	APY^	Minimum Balance #
$1,000 - $9,999	0.20%	0.20%	$1,000
$10,000 - $24,999	0.20%	0.20%	$10,000
$25,000 - $49,999	0.26%	0.26%	$25,000
$50,000 - $99,999	0.30%	0.30%	$50,000
$100,000 and above	0.30%	0.30%	$100,000

Share Accounts

Types	Dividend Rate	APY^	Minimum Balance #
Regular Shares†	0.05%	0.05%	$200
Special Shares	0.05%	0.05%	$200
Christmas Club	0.05%	0.05%	$200
Vacation Club	0.05%	0.05%	$200
IRA/CESA Share Account	0.25%	0.25%	$500

Individual Retirement Account Certificates & Health Savings Account Certificates

IRA

Terms	Dividend Rate	APY^	Minimum Balance #
8 Month Fixed	0.55%	0.55%	$1,000
1 Year Fixed	0.85%	0.85%	$1,000
14 Month Fixed	0.90%	0.90%	$1,000
17 Month Fixed	0.95%	0.95%	$1,000
18 Month Fixed	0.95%	0.95%	$1,000
2 Year Fixed	1.09%	1.10%	$1,000
30 Month Fixed	1.14%	1.15%	$1,000
3 Year Fixed	1.19%	1.20%	$1,000
4 Year Fixed	1.24%	1.25%	$1,000
5 Year Fixed	1.29%	1.30%	$1,000
6 Year Fixed	1.34%	1.35%	$1,000

HSA

Terms	Dividend Rate	APY^	Minimum Balance #
Health Savings Checking	1.99%	2.01%	$500
1 Year Fixed	0.85%	0.85%	$1,000
2 Year Fixed	1.09%	1.10%	$1,000
3 Year Fixed	1.19%	1.20%	$1,000
4 Year Fixed	1.24%	1.25%	$1,000
5 Year Fixed	1.29%	1.30%	$1,000

Share and Checking Account dividend rates may change after the account has been opened. Dividends on share and checking accounts are established and paid monthly at a rate determined by the ETFCU Board of Directors. Dividends are computed on the daily balance and paid monthly for those days in which the minimum balance is on deposit. Fees may reduce earnings.

There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.

^Annual Percentage Yield
#Minimum balance to obtain APY disclosed
*Vertical Checking – Dividends not paid on balances over $20,000. No dividend paid if all monthly requirements are not met or if fewer than 15 debit card transactions post in the month. Monthly requirements include: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit(s) into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify. ScoreCard Points are not rewarded on purchases from Vertical Checking
**Platinum Rewards Checking – Account holders qualify for 500 bonus ScoreCard points per month when they meet all of the following requirements: enrollment in eStatements, one or more online or mobile banking login(s), one or more direct deposit into the account, and 15 or more debit card transactions posted per month. ATM transactions do not qualify.
†Requires $5.00 to open account