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<h5>Rates</h5>
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<div class="col-md-5">
<p><a class="internal-link" href="#traditional-cd-rates">Traditional CD Rates</a></p>
<p><a class="internal-link" href="#variable-addon-cd-rates">Variable Rate Add-On CD Rates</a></p>
<p><a class="internal-link" href="#youth-cd-rates">Youth CD Rates</a></p>
<p><a class="internal-link" href="#ira-trad-cd-rates">IRA (Traditional & Roth) CD Rates</a></p>
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<p><a href="storage/app/media/Disclosure%20PDFs/visa-early-disclosure.pdf" rel="noopener noreferrer" target="_blank">Northwest Visa and Northwest Visa Rewards</a></p>
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<p>
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<section class="rate-table" id="traditional-cd-rates" aria-labelledby="traditional-cd-rates-heading">
<header id="traditional-cd-rates-heading">
<h6>Certificate of Deposit Rates</h6>
<p>Rates effective since October 29, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 35.2368%;">Certificate Option
<br>
</th>
<th style="width: 14.7632%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 35.2368%;">3-month CD</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td style="width: 25.0000%;">0.200%
<br>
</td>
<td style="width: 25.0000%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">6-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.250%
<br>
</td>
<td>0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">12-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.399%
<br>
</td>
<td>0.40%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">18-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">24-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">36-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.598%
<br>
</td>
<td>0.60%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">48-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.698%
<br>
</td>
<td>0.70%
<br>
</td>
</tr>
<tr>
<td style="width: 35.2368%;">60-month CD
<br>
</td>
<td style="width: 14.7632%;">$500+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</section>
<section class="rate-table" id="variable-addon-cd-rates" aria-labelledby="variable-addon-cd-rates-heading">
<header id="variable-addon-cd-rates-heading">
<h6>Variable Add-On CD Rates</h6>
<p>Rates effective since August 14, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">CD Option
<br>
</th>
<th style="width: 25.0000%;">Minimum Balance
<br>
</th>
<th style="width: 24.8611%;">Interest Rate
<br>
</th>
<th style="width: 25%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">Variable Rate Add-On CD (24 month)
<br>
</td>
<td style="width: 25.0000%;">$500+
<br>
</td>
<td style="width: 24.8611%;">0.399%
<br>
</td>
<td style="width: 25%;">0.40%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Variable Interest Rate Information.</strong> The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</section>
<section class="rate-table" id="youth-cd-rates" aria-labelledby="youth-cd-rates-heading">
<header id="youth-cd-rates-heading">
<h6>Youth CD Rates</h6>
<p>Rates effective since August 14, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">12 month Youth Add-on CD
<br>
</td>
<td style="width: 33.3333%;">0.399%
<br>
</td>
<td style="width: 33.3333%;">0.40%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $100. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. </li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (<span style="background-color: transparent;">800) 452-9515.</span></p>
</section>
<section class="rate-table" id="ira-trad-cd-rates" aria-labelledby="ira-trad-cd-rates-heading">
<header id="ira-trad-cd-rates-heading">
<h6>IRA (Traditional & Roth) CD rates</h6>
<p>Rates effective since October 29, 2020</p>
</header>
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 26.7896%;">Account
<br>
</th>
<th style="width: 16.9892%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" style="width: 26.7896%;">IRA 3 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.250%
<br>
</td>
<td>0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 6 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.300%
<br>
</td>
<td>0.30%
<br>
</td>
</tr>
<tr>
<td class="group-header" style="width: 26.7896%;">IRA 12 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 18 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 24 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.549%
<br>
</td>
<td>0.55%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">IRA 36 month CD
<br>
</td>
<td style="width: 16.9892%;">$500+
<br>
</td>
<td>0.648%
<br>
</td>
<td>0.65%
<br>
</td>
</tr>
<tr>
<td>IRA 48 month CD
<br>
</td>
<td>$500+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
<tr>
<td>IRA 60 month CD
<br>
</td>
<td>$500+
<br>
</td>
<td>0.797%
<br>
</td>
<td>0.80%
<br>
</td>
</tr>
</tbody>
</table>
<p>*Please see a list of our <a href="fees-charges.html" rel="noopener noreferrer" target="_blank" title="Fees and Charges">Service Fees and Charges</a> for more information.</p>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Compounding and Crediting.</strong><span> </span>Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong><span> </span>Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Transaction Limitations.</strong> For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.</li>
<li><strong>Maturity.</strong><span> </span>Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol>
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong><span> </span>Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</section>
<section class="rate-table" id="ira-variable-addon-cd-rates" aria-labelledby="ira-variable-addon-cd-rates-heading">
<header id="ira-variable-addon-cd-rates-heading">
<h6>IRA (Traditional & Roth) Variable Rate Add-On CD Rates</h6>
<p>Rates effective since August 14, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">24 month IRA Add-On CD
<br>
</td>
<td style="width: 33.3333%;">0.449%
<br>
</td>
<td style="width: 33.3333%;">0.45%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-in-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li><strong>Variable Interest Rate Information.</strong> The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.</li>
<li><strong>Compounding and Crediting.</strong> Interest will be compounded and credited monthly.</li>
<li><strong>Balance Information.</strong> The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.</li>
<li><strong>Accrual of Interest.</strong> Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.</li>
<li><strong>Transaction Limitations</strong> You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours. </li>
<li><strong>Maturity.</strong> Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.</li>
<li><strong>Early Withdrawal Penalty.</strong> We may impose a penalty if you withdraw any of the principal before the maturity date.
<ol type="a">
<li>Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.</li>
<li>How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.</li>
<li>Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
<ol type="i">
<li>When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li>Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.</li>
</ol>
</li>
</ol>
</li>
<li><strong>Renewal Policy</strong> Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.</li>
<li><strong>Nontransferable/Nonnegotiable</strong>. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at +1 (757) 859-9933.</p>
</section>
<section class="rate-table" id="save-to-win-rates-rules" aria-labelledby="save-to-win-rates-rules-heading">
<header id="save-to-win-rates-rules-heading">
<h6>Save to Win CD Rates & Official Rules</h6>
<p>Rates effective since August 14, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>CD Option
<br>
</th>
<th>Interest
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 33.3333%;">Save to Win CD
<br>
</td>
<td style="width: 33.3333%;">0.300%
<br>
</td>
<td style="width: 33.3333%;">0.30%
<br>
</td>
</tr>
</tbody>
</table>
<p>The basics:</p>
<ul>
<li><span>Members must be 18 or older and a resident of Save to Win participating states.</span></li>
<li>Minimum balance is $25.</li>
<li><span>Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments. </span></li>
<li>You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.</li>
<li><span>You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.</span></li>
<li>Any money you win from the prize drawings is yours and will be diIlluminati Private Bankursed into your primary savings account. It may be subject to tax reporting.</li>
<li><span>Odds of winning depend on number of entries received. Sponsor: Illuminati Private Bank, PO Box 10607, Rocky Mount, NC 27804, USA. For a full list of rules, check out our <a href="storage/app/media/Disclosure%20PDFs/save-to-win-official-rules.pdf" rel="noopener noreferrer" target="_blank">Official Rules</a> for important information. </span></li>
</ul>
<h4>Truth-In-Savings Disclosure</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong><em>Save to Win Certificate of Deposit:</em></strong> Each Save to Win® Certificate requires an initial deposit of $25.00 and account holders may make additional deposits into that certificate throughout its term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made. Each account holder is limited to one Save to Win® Certificate.</li>
<li><strong>Rate Information.</strong> The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.</li>
<li>
<p><strong>Compounding and Crediting: </strong>Interest on the 12-Month Save to Win® Certificate will be compounded and credited monthly. </p>
</li>
<li><strong>Minimum Balance Requirements: </strong>The minimum balance requirement for the certificate is <strong>$25.00.</strong></li>
<li><strong>Balance Computation Method: </strong>Interest is calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.</li>
<li><strong>Accrual of Interest: </strong>Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Fees may reduce earnings. </li>
<li><strong>Early Withdrawal & Penalty:</strong><strong> </strong> During the term of the Save to Win® Certificate, account holders will be allowed to make one withdrawal from the account, with a <strong>$25.00</strong> penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The credit union will deduct from the principal amount to cover the penalty.</li>
<li><strong>Exceptions to Early Withdrawal Penalties:</strong> At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.</li>
<li><strong>Transaction Limitations: </strong>Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle begins on <strong>January 1 and ends December 31</strong>, however certificates will mature 12 months after account opening. The Official Rules can be found online at <a class="external-link" href="http://www.savetowin.org/">www.savetowin.org</a> and are provided upon opening the certificate.</li>
<li><strong>Renewal Policy: </strong>This account type will automatically renew at maturity if the balance in the Save to Win is greater than $25.00. The certificate will renew as a 12-month Save to Win® Certificate, with the (APY) being what is stated as our current 12-month rate. If the balance in the certificate is less than $25.00 or if account holders choose not to renew the certificate, the funds will be transferred to the account holder’s regular shares account at the credit union. You will receive a notice from the credit union <strong>30 days</strong> prior to your certificate’s maturity. You will have a <strong>seven (7)</strong> day grace period after maturity to withdraw funds without being charged an early withdrawal penalty.</li>
</ol>
<p>*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member. </p>
</section>
<section class="rate-table" id="member-savings" aria-labelledby="member-savings-heading">
<header id="member-savings-heading">
<h6>Savings Account Rates</h6>
<p>Rates effective Since April 1, 2020</p>
</header>
<p>
<br>
</p>
<table class="table-bordered table">
<thead>
<tr>
<th style="width: 26.7896%;">Account
<br>
</th>
<th style="width: 16.9892%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" rowspan="2" style="width: 26.7742%;">Regular Share
<br>Youth Share
<br>Tomorrow Share
<br>Pledged Share</td>
<td style="width: 16.9892%;">$0 to $99.99
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.9892%;">$100+
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td style="width: 26.7896%;">No Dividend Shares
<br>
</td>
<td style="width: 16.9892%;">$0.01+
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td>IRA Savings - Traditional & Roth
<br>
</td>
<td>$0.01+
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all savings accounts:</p>
<ol>
<li><strong>Rate Information.</strong> The Interest Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Savings, the Interest Rate and Annual Percentage Yield are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, Pledged Share and Tomorrow Shares are tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. For interest-bearing accounts, the Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information.</strong> The minimum deposit to open your Share account is $10.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
<p>
<br>
</p>
<h6>Level Up Northwest Savings Account Rates</h6>
<p>Rates effective Since April 1, 2020</p>
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 27.1017%;">Account
<br>
</th>
<th style="width: 16.99%;">Qualifying Loan*
<br>
</th>
<th style="width: 28.4539%;">Interest Rate
<br>
</th>
<th style="width: 27.5132%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="6" style="width: 27.1017%;">Level Up Northwest Savings
<br>
</td>
<td style="width: 16.99%;">1 qualifying loan
<br>
</td>
<td style="width: 28.4539%;">0.250%
<br>
</td>
<td style="width: 27.5132%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">2 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.499%
<br>
</td>
<td style="width: 27.5132%;">0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">3 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.995%
<br>
</td>
<td style="width: 27.5132%;">1.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">4 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">1.490%
<br>
</td>
<td style="width: 27.5132%;">1.50%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">5 qualifying loans
<br>
</td>
<td style="width: 28.4539%;">1.982%
<br>
</td>
<td style="width: 27.5132%;">2.00%
<br>
</td>
</tr>
<tr>
<td style="width: 16.99%;">No qualifying loans
<br>
</td>
<td style="width: 28.4539%;">0.050%
<br>
</td>
<td style="width: 27.5132%;">0.05%
<br>
</td>
</tr>
</tbody>
</table>
<p>*Qualifying loans include consumer loans in good standing with balances over $10,000 and up to one (1) mortgage loan per tax reporting owner on the last day of the prior month; up to five (5) qualifying loans.</p>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures for Savings Accounts</h4>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Savings, the Interest Rate and Annual Percentage Yield are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, and Tomorrow Shares are tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. For interest-bearing accounts, the Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li>
<p>
<!--[if !supportAnnotations]--><strong>Balance Information.</strong> The minimum deposit to open your Share account is $10.</p>
</li>
<li>
<p><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</p>
</li>
</ol>
</section>
<section class="rate-table" id="checking-rates" aria-labelledby="checking-rates-heading">
<header id="checking-rates-heading">
<h6>Checking Account Rates</h6>
<p>Rates effective since November 1, 2020</p>
</header>
<table class="table table-bordered">
<thead>
<tr>
<th style="width: 25.271%;">Account
<br>
</th>
<th style="width: 18.3604%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td class="group-header" rowspan="2" style="width: 25.271%; vertical-align: middle;">Northwest Checking and Northwest Secure Checking
<br>
</td>
<td style="width: 18.3604%;">Qualification met*
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">Qualification not met*
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 25.271%;">Northwest Passage Checking
<br>
</td>
<td style="width: 18.3604%;">$0+
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td rowspan="5" style="width: 25.271%; text-align: left; vertical-align: middle;">Executive Checking
<br>
</td>
<td style="width: 18.3604%;">$0.01 - $999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$1,000 - $4,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$5,000 - $9,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$10,000 - $24,999.99
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
<tr>
<td style="width: 18.3604%;">$25,000+
<br>
</td>
<td>0.747%
<br>
</td>
<td>0.75%
<br>
</td>
</tr>
</tbody>
</table>
<p>*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) active enrollment in eStatements. APY or Annual Percentage Yield of 0.50% is limited to the first $5,000.</p>
<p>**Please see a list of our <a href="fees-charges.html" rel="noopener noreferrer" target="_blank" title="Fees and Charges">Fees and Charges</a> for more information.</p>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all checking accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information</strong>. The minimum opening deposit to open an Executive Checking account is $100 and $40 for all other checking accounts.
<!--[if !supportAnnotations]-->
<!--[endif]-->Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
<p>This Rate Schedule sets forth current conditions and rates, applicable to your Checking Accounts at Illuminati Private Bank at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement.</p>
<!--[if !supportAnnotations]-->
<!--[endif]-->
<!--[if !supportAnnotations]-->
<!--[endif]-->
<!--[if !supportAnnotations]-->
<!--[endif]-->
<!--[if !supportAnnotations]-->
</section>
<section class="rate-table" id="money-market-rates" aria-labelledby="money-market-rates-heading">
<header id="money-market-rates-heading">
<h6>Money Market Rates</h6>
<p>Rates effective since September 9, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 24.8926%;">Account
<br>
</th>
<th style="width: 24.9597%;">Balance
<br>
</th>
<th style="width: 25.0268%;">Interest Rate
<br>
</th>
<th style="width: 25.0268%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Super Investor's Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $4,999.99
<br>
</td>
<td style="width: 25.0268%;">0.100%
<br>
</td>
<td style="width: 25.0268%;">0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$5,000 to $9,999.99
<br>
</td>
<td style="width: 25.0268%;">0.100%
<br>
</td>
<td style="width: 25.0268%;">0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$25,000 to $49,999.99
<br>
</td>
<td style="width: 25.0268%;">0.200%
<br>
</td>
<td style="width: 25.0268%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 25.0268%;">0.250%
<br>
</td>
<td style="width: 25.0268%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$100,000 to $249,999.99
<br>
</td>
<td style="width: 25.0268%;">0.300%
<br>
</td>
<td style="width: 25.0268%;">0.30%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 25.0268%;">0.499%
<br>
</td>
<td style="width: 25.0268%;">0.50%
<br>
</td>
</tr>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Super Investor's IRA Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $4,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$5,000 to $9,999.99
<br>
</td>
<td style="width: 25.0268%;">0.150%
<br>
</td>
<td style="width: 25.0268%;">0.15%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 25.0268%;">0.200%
<br>
</td>
<td style="width: 25.0268%;">0.20%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$25,000 to $49,999.99
<br>
</td>
<td style="width: 25.0268%;">0.250%
<br>
</td>
<td style="width: 25.0268%;">0.25%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 25.0268%;">0.300%
<br>
</td>
<td style="width: 25.0268%;">0.30%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$100,000 to $249,999.99
<br>
</td>
<td style="width: 25.0268%;">0.349%
<br>
</td>
<td style="width: 25.0268%;">0.35%
<br>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 25.0268%;">0.549%
<br>
</td>
<td style="width: 25.0268%;">0.55%
<br>
</td>
</tr>
<tr>
<td rowspan="7" style="width: 24.7967%; vertical-align: middle;">Executive Money Market Account & Executive IRA Money Market Account
<br>
</td>
<td>$1,000 - $4,999.99
<br>
</td>
<td>0.349%
<br>
</td>
<td>0.35%
<br>
</td>
</tr>
<tr>
<td>$5,000 - $9,999.99
<br>
</td>
<td>0.349%
<br>
</td>
<td>0.35%
<br>
</td>
</tr>
<tr>
<td>$10,000 - $24,999.99
<br>
</td>
<td>0.399%
<br>
</td>
<td>0.40%
<br>
</td>
</tr>
<tr>
<td>$25,000 - $49,999.99
<br>
</td>
<td>0.449%
<br>
</td>
<td>0.45%
<br>
</td>
</tr>
<tr>
<td>$50,000 - $99,999.99
<br>
</td>
<td>0.499%
<br>
</td>
<td>0.50%
<br>
</td>
</tr>
<tr>
<td>$100,000 - $249,999.99
<br>
</td>
<td>0.797%
<br>
</td>
<td>0.80%
<br>
</td>
</tr>
<tr>
<td>$250,000+
<br>
</td>
<td>0.995%
<br>
</td>
<td>1.00%
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosure</h4>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li>
<p><strong>Balance information</strong>. The minimum balance is $1,000.00.</p>
</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
</section>
<section class="rate-table" id="business-savings-rates" aria-labelledby="business-savings-rates-heading">
<header id="business-savings-rates-heading">
<h6>Business Savings Account Rates</h6>
<p>Rates effective January 1, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 25%;">Account
<br>
</th>
<th style="width: 24.8611%;">Balance
<br>
</th>
<th style="width: 25%;">Interest Rate
<br>
</th>
<th style="width: 25.0000%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 25%;">Business Savings Account
<br>
</td>
<td style="width: 24.8611%;">$0.01 to $99.99
<br>
</td>
<td style="width: 25%;">0.000%
<br>
</td>
<td style="width: 25.0000%;">0.00%
<br>
</td>
</tr>
<tr>
<td class="group-label">Business Savings Account
<br>
</td>
<td>$100+
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
</tbody>
</table>
<h5>Truth-In-Savings Disclosures</h5>
<p>Except as specifically described, the following disclosures apply to all of the accounts:</p>
<ol>
<li><strong>Rate Information</strong>. The Interest Rate and Annual Percentage Yield on your Savings accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Business Savings account is a tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly as determined by the Board of Directors.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance Information.</strong> The minimum deposit to open your Savings account is $10. Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
</ol>
</section>
<section class="rate-table" id="business-checking-rates" aria-labelledby="business-checking-rates-heading">
<header id="business-checking-rates-heading">
<h6>Business Checking Account Rates</h6>
<p>Rates effective since July 7, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 27.5766%;">Account
<br>
</th>
<th style="width: 22.4234%;">Balance
<br>
</th>
<th>Interest Rate
<br>
</th>
<th>Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 27.5766%;">Business Launch Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01+
<br>
</td>
<td style="width: 25.0000%;">0.000%
<br>
</td>
<td style="width: 25.0000%;">0.00%
<br>
</td>
</tr>
<tr>
<td style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01 to $999.99
<br>
</td>
<td>0.000%
<br>
</td>
<td>0.00%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$1,000 to $9,999.99
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Small Business Checking
<br>
</td>
<td style="width: 22.4234%;">$10,000+
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$0.01 to $2,499.99
<br>
</td>
<td>0.050%
<br>
</td>
<td>0.05%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$2,500 to $9,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$10,000 to $24,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$25,000 to $49,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$50,000 to $99,999.99
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
<tr>
<td class="group-label" style="width: 27.5766%;">Regular Business Checking
<br>
</td>
<td style="width: 22.4234%;">$100,000+
<br>
</td>
<td>0.100%
<br>
</td>
<td>0.10%
<br>
</td>
</tr>
</tbody>
</table>
<h4>Truth-In-Savings Disclosures</h4>
<p>Except as specifically described, the following disclosures apply to all checking accounts:</p>
<ol>
<li><strong>Rate Information. </strong>The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance. </strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).</li>
<li><strong>Balance Information.</strong> The minimum opening deposit to open a Small Business Checking or Regular Business Checking account is $40. Please see the Schedule of Fees and Charges for<strong> </strong>the minimum monthly balance required to avoid a service fee for each account set forth above. Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.</li>
</ol>
<p>
<br>
</p>
</section>
<section class="rate-table" id="business-money-market-rates" aria-labelledby="business-money-market-rates-heading">
<header id="business-money-market-rates-heading">
<h6>Business Money Market Rates</h6>
<p>Rates effective since September 9, 2020</p>
</header>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 24.9597%;">Account
<br>
</th>
<th style="width: 24.9597%;">Balance
<br>
</th>
<th style="width: 24.9597%;">Interest Rate
<br>
</th>
<th style="width: 25.0939%;">Annual Percentage Yield
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$1,000 to $2,499.99
<br>
</td>
<td style="width: 24.9597%; text-align: left;">
<div data-empty="true">0.100%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.10%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$2,500 to $9,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.100%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.10%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$10,000 to $24,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.150%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.15%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$25,999 to $49,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.200%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.20%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$50,000 to $99,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.250%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.25%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$100,000 - $249,999.99
<br>
</td>
<td style="width: 24.9597%;">
<div data-empty="true">0.300%</div>
</td>
<td style="width: 25.0939%;">
<div data-empty="true">0.30%</div>
</td>
</tr>
<tr>
<td style="width: 24.9597%;">Business Money Market Account
<br>
</td>
<td style="width: 24.9597%;">$250,000+
<br>
</td>
<td style="width: 24.9597%;">0.499%
<br>
</td>
<td style="width: 25.0939%;">0.50%
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h4>Truth-In-Savings Disclosure</h4>
<ol start="1" type="1">
<li><strong>Rate Information.</strong> The Interest Rate and Annual Percentage Yield on your Money Market accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.</li>
<li><strong>Interest: </strong>We use the daily balance method to calculate the interest on your account, will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.</li>
<li><strong>Balance information</strong>. The minimum balance is $1,000.00.</li>
</ol>
<ol start="4" type="1">
<li><strong>National Credit Union Administration (NCUA) Federal Deposit Insurance.</strong> Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United Kingdom government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at +1 (757) 859-9933.</li>
</ol>
<p> </p>
</section>
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