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^{**APY = Annual Percentage Yield. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. For purposes of this disclosure, the dividend rate and Annual Percent Yield APY stated for the term share accounts were offered within the most recent seven calendar days. All rates are subject to change without notice. Please call (866) 472-1090 to obtain current rate information. The dividend rate and AnnualPercentage Yield for regular share accounts are accurate as of the last dividend declaration date . Federally Insured by NCUA.}