Scheduled Maintenance: Remote Check Deposit may be intermittently unavailable Saturday, February 28, 2015 from 8:00pm until 11:00pm. No other aspects of Online Banking or Mobile Banking will be affected during this time.

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Rates Calculators

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Deposit Rates

Rewards Checking

Minimum Required to Earn APY	Annual Percentage Yield (APY)	Monthly ATM Refund
$0.01 (qualifying balances)	1.50%	up to $25
$25,000 (qualifying balances)	1.00% to 0.28% depending on account balance	up to $25
$0.01 (non-qualifying balances)	0.05%	$0
Note: Annual Percentage Rate (APY) effective 04/25/14 and subject to change at any time. Any fees incurred could reduce earnings on this account. Minimum $25 opening balance. In order to qualify for rewards, the following requirements must be met each monthly qualification cycle: 1) Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account during the monthly qualification cycle; 2) Have at least one direct deposit or ACH auto debit post and settle to the Rewards Checking Account; 3) Be enrolled in and receive free paperless e-statements. Dividends are paid on the last business day of the month; therefore, all debit card transactions must post and settle to the account by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end date will be included in the following month's qualifying transaction totals. To qualify for nationwide ATM fee refunds, the ATM withdrawal must be withdrawn from the respective checking; no other accounts qualify. If monthly requirements are not met, ATM fees are not refunded, dividend rate and APY shown for non-qualifying balances will apply and the account will remain free with no monthly fee or minimum balance required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

CashBack Checking

Minimum Required to Earn APY	Annual Percentage Yield (APY)	Monthly ATM Refund
n/a	n/a	up to $25
Note: 2% cash back on debit card purchases up to $500 per month. Minimum $25 opening balance. In order to qualify for rewards, the following requirements must be met each monthly qualification cycle: 1) Have at least 12 debit card purchases (ATM withdrawals do not qualify) post and settle to the account during the monthly qualification cycle; 2) Have at least one direct deposit or ACH auto debit post and settle to the CashBack Checking Account; 3) Be enrolled in and receive free paperless e-statements. Debit card transactions must post and settle to the account by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end date will be included in the following month's qualifying transaction totals. If monthly requirements are not met, ATM fees are not refunded and the account remains free with no monthly fee or minimum balance required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Everyday Free Checking

Minimum Required to Earn APY	Annual Percentage Yield (APY)	Monthly ATM Refund
n/a	n/a	n/a
Note: Minimum $25 opening balance. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Regular Savings

Minimum Required to Earn APY	Annual Percentage Yield (APY)
$100	0.05%
Note: Annual Percentage Yield (APY) effective 06/18/14 and subject to change. Any fees incurred could reduce earnings. $5 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Youth Savings

Minimum Required to Earn APY	Annual Percentage Yield (APY)
$100	0.05%
Note: Annual Percentage Yield (APY) effective 06/18/14 and subject to change. Must be under 18 years of age to open. $1 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Club Account

Minimum Required to Earn APY	Annual Percentage Yield (APY)
$100	0.05%
Note: Annual Percentage Yield (APY) effective 06/18/14 and subject to change. Any fees incurred could reduce earnings. $1 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Peak Your Interest Money Market

Minimum Required to Earn APY	Annual Percentage Yield (APY)
$0.01	0.05%
$10,000	0.10%
$25,000	0.15%
$100,000	0.25%
Note: Annual Percentage Yield (APY) effective 06/18/14 and subject to change. $2,500 Minimum opening deposit required. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Certificates

Term	Annual Percentage Yield (APY)
6 month Certificate	0.25%
10 month Certificate SPECIAL****	1.01%
12 month Certificate	0.40%
18 month Certificate	0.50%
24 month Certificate	0.75%
36 month Certificate	1.00%
48 month Certificate	1.25%
60 month Certificate	1.75%
60 month Structured Savings Certificate	1.75% *
6 month Junior Certificate*	0.25%**
Note: Annual Percentage Yield (APY) effective 1/1/15 and subject to change without notice. Penalty for early withdrawal. Minimum Deposit is $1,000.00. Other rates and terms may be available. * Must be maintained in the account of a minor (under age 18). Minimum balance is $500.00 on 60 month Structured Savings and 6 month Junior Certificates. * Maximum contribution to Structured Savings Certificate is $50,000 ****Annual Percentage Yield (APY) based on a term of 10 months, accurate as of 2/17/15 and subject to change. Minimum $1,000 required to open with funds not currently on deposit with MFCU. Penalty may be incurred for early withdrawal. Membership required.

IRA Certificates

Term	Annual Percentage Yield (APY)
6 month IRA Certificate	0.25%
10 month IRA Certificate SPECIAL****	1.01%
12 month IRA Certificate	0.40%
18 month IRA Certificate	0.50%
24 month IRA Certificate	0.75%
36 month IRA Certificate	1.00%
48 month IRA Certificate	1.25%
60 month IRA Certificate	1.75%
Note: Annual Percentage Yield (APY) effective 1/1/15 and subject to change without notice. Penalty for early withdrawal. Minimum Opening Balance is $1,000.00. Other terms and rates may be available. ****Annual Percentage Yield (APY) based on a term of 10 months, accurate as of 2/17/15 and subject to change. Minimum $1,000 required to open with funds not currently on deposit with MFCU. Penalty may be incurred for early withdrawal. Membership required.

IRA Savings

Minimum Required to Earn APY	Annual Percentage Yield (APY)
$0.01	0.10%
$5,000	0.25%
$25,000	0.40%
$75,000	0.60%
$100,000	0.75%
Note: Annual Percentage Yield (APY) effective 1/1/15 and subject to change. Maximum annual contribution is $5,000 under age 50 and $6,000 age 50 and up. Any fees incurred could reduce earnings.

Shared Branching

Shared Branching

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