Tiering Method

Tiering Method

*Annual Percentage Yield Range

REGULAR SHARES (Savings S1)
Tier 1: If your daily balance is $1,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

CU SAVE (S50)
Tier 1: If your daily balance is $1,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

TRADITIONAL IRA SHARE (S20), ROTH IRA SHARE (S23, S24), EDUCATION SHARE (S22)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $20,000, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $50,000, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $250,000, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $500,000, with a prospective annual percentage yield ranging from 0.10% to 0.10%* depending on the balance in the account, for this dividend period.

MONEY MARKET (S3)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $20,000, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $50,000, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $250,000, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $500,000, with a prospective annual percentage yield ranging from 0.10% to 0.10%* depending on the balance in the account, for this dividend period.

PREMIUM MONEY MARKET (S4)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $20,000, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $50,000, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $250,000, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $500,000, with a prospective annual percentage yield ranging from 0.10% to 0.10%* depending on the balance in the account, for this dividend period. * The top end of the last tier is figured on a $750,000 balance.

CLASSIC CHECKING
Tier 1: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

BUSINESS CHECKING (S12, S15)
Tier 1: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

PREMIUM BUSINESS CHECKING (S13)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.