ReWARD Share Draft Checking 

Rewards for ReWARD Share Draft Checking:

• Earn up to 1.50% APY*
• Free ATMs*
• No Minimum Balance
• No Monthly Fees

To earn the Bonus Rates, perform the following each qualification cycle:

• You need to receive the monthly e-mail indicating your e-Statement is ready
• Access e-Branch24 (online banking)
• Have at least one automatic payment or direct deposit post and clear per qualification cycle
• Have at least 12 debit card transactions post and clear per qualification cycle 

*1.50% Annual Percentage Yield (APY) paid on balances between $0.01 and $25,000 and 0.55% paid on any amount above $25,000 each qualification cycle the minimum requirements are met. ATM fee refunds up to $25 per qualification cycle. Individual ATM fees of $5.00 or more will be reimbursed into your ReWARD Checking account upon presentation of the ATM receipt. If you do not meet the requirements per cycle, your ReWARD Checking account will earn 0.10% APY and you will not receive ATM fee refunds for that qualification cycle. $25 share deposit required for credit union membership, though no minimum balance necessary to earn rewards. Available for personal accounts only. Rates as of March 1, 2013 and subject to change without notice. The daily method is utilized to determine which rate will be applied. Dividends are compounded daily. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend.