1.877.451.HNCU

Rates

SHARE CERTIFICATES $10,000 TO $24,999.99

IRA SHARE CERTIFICATES $10,000 TO $24,999.99

IRA SHARE ACCOUNTS

HORIZONS ACCOUNT

$10 monthly fee if account falls below the minimum balance. No dividends are earned on the days that the account balance falls below the minimum balance.

MONEY MANAGEMENT ACCOUNT

No dividends will be earned on the days that the minimum balance falls below $2,500.

INTEREST CHECKING

Minimum balance to earn dividends is $500. If balance falls below minimum during the month, no dividends are earned and a fee of $7.50 will apply.

SHARE SAVINGS

Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.

SHARE CERTIFICATES $0 TO $9,999.99

SHARE CERTIFICATES $25,000 TO $49,999.99

SHARE CERTIFICATES $50,000+

For share certificates with terms of 6 months or less, the minimum balance is $500. The minimum balance is $1,000 for all share certificates over 6 months.

IRA SHARE CERTIFICATES $0 TO $9,999.99

IRA SHARE CERTIFICATES $25,000 TO $49,999.99

IRA SHARE CERTIFICATES $50,000+

Minimum balance for IRA Share Certificates is $250.

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates.