Dividend Rates/Annual Percentage Yield (APY) may change monthly as determined by the Board of Directors. Deposits and withdrawals may affect your APY. Prospective rates, compounding frequency, and posting are described below.

Dividends will begin to accrue on the date of deposit. Dividends are calculated by the daily balance method, which is the daily periodic rate multiplied by the balance in the account at the end of each day.

A minimum balance may be required to avoid fees and receive dividends. Excessive withdrawals and transfers may be assessed a fee.

Accounts closed between dividend periods will result in dividends for that period being forfeited.