Effective Date: 11/01/2014
|Deposit Products||Minimum Opening Balance||Minimum Balance to Earn Interest||Rate||*APY|
|Share or IRA Certificates||Minimum Opening Balance||Minimum Balance to Earn Interest||Rate||*APY|
*APY = Annual Percentage Yield. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance, and compounded monthly. Certificate rates are subject to change at any time and are not guaranteed until certificate and membership are opened. Telco Share rates are variable rate accounts. Your share account rate may change after the account has been opened. Penalties for early withdrawals may apply. Members having share or IRA certificates with maturity dates from two to five years have the option of exchanging the existing rate for the current rate once during the term of the certificate. Fees or conditions may reduce earnings on the account.