Savings

*The minimum to open U-Earn account is $50. You must be enrolled for and receive monthly eStatement notification to have this account. APY = Annual Percentage Yield. APYs accurate as of 06/04/2018. Rates may change after account is opened. For U-Earn, if qualifications are met each monthly statement cycle: (1) balances up to $10,000 receive APY of 0.64%, and balances over $10,000 earn 0.14% interest rate on portion of balance over $10,000, resulting in (2) 0.64% - 0.19% APY depending on the balance. If qualifications are not met on U-Earn, all balances earn 0.01% APY. Qualifying transactions must post to and settle U-Earn account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised U-Earn APY is based on compounding interest. U-Earn checking interest earned will be posted directly to associated U-Save account and does not compound. Actual interest amount paid may be less than advertised U-Earn APY. When any two of the three following conditions are met (1 ACH payment or 1 ACH Deposit or 10 debit card purchases post and settle your account during the statement cycle), ATM fees incurred on your U-Earn during that cycle will be refunded up to $25. ATM receipt must be presented for refund of an ATM fee greater than $5.00. If qualifications in U-Earn are met each monthly statement cycle: (1) balances up to $10,000 in U-Save receive an APY of 0.54%; and (2) balances over $10,000 in U-Save earn 0.14% interest rate on portion of balance over $10,000, resulting in 0.54% - 0.18% APY depending on the balance. If qualifications are not met on U-Earn, all balances in U-Save earn 0.01% APY. The minimum to open a U-Save is $10. The U-Save APYs may be less than U-Earn APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

*A $1.00 per item Excess Transaction Fee applies to transfers or withdrawals over 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

*Pre-authorized transactions, check, draft, debit card, telephone transfer (including data transmission), automatic transfer, ACH or similar order payable to third parties. A $5.00 per item Excess Transaction Fee applies to transfers or withdrawals over the allowed 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

*Pre-authorized transactions, check, draft, debit card, telephone transfer (including data transmission), automatic transfer, ACH or similar order payable to third parties. A $5.00 per item Excess Transaction Fee applies to transfers or withdrawals over the allowed 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

Annuities are not insured by the FDIC or any other Federal Government Agency; are not deposits or other obligations of the institution, and are not guaranteed by the institution; they are subject to investment risks, including possible loss of the principal invested.

*Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.