Embers Credit Union

Embers Credit Union Member Welcome Guide

Embers Credit Union Merger Booklet

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5 Share Certifi cates Penalty for early withdrawal (To be calculated at date of redemption) Share Certifi cates Eff ective Date: Thursday, March 21, 2019 * All Share Certifi cates require $1,000.00 minimum deposit. TERMS APY RATE DIVIDENDS 6 month 0.50% 0.50% Paid quarterly 12 month 0.75% 0.75% Paid quarterly 24 month 1.46% 1.45% Paid quarterly 36 month 1.76% 1.75% Paid quarterly 48 month 3.03% 3.00% Paid quarterly 60 month 3.03% 3.00% Paid quarterly Certifi cate Specials Eff ective Date: Thursday, March 21, 2019 * TERMS APY RATE DIVIDENDS 13 month 2.50% 2.48% Paid quarterly 19 Month 2.65% 2.62% Paid quarterly 25 month 2.75% 2.72% Paid quarterly * All rates subject to change. For a complete list of rates please visit embers.org/rates. Saving Rates Shares & Vacation Club Eff ective Date: Thursday, March 21, 2019 * TERMS APY RATE Minimum balance of $100.00 to earn quarterly dividends. If under 18 years of age no minimum balance required to earn quarterly dividends. 0.20% 0.20% Christmas Club Eff ective Date: Thursday, March 21, 2019 * TERMS APY RATE No minimum balance. Dividends paid quarterly. 0.20% 0.20% Money Maker Eff ective Date: Thursday, March 21, 2019 * Dividend paid monthly TERMS APY RATE On balances from $100.00 - $2,499.99 0.20% 0.20% On balances from $2,500.00 - $9,999.99 0.30% 0.30% On balances from $10,000.00 - $24,999.99 0.35% 0.35% On balances from $25,000.00 - $49,999.99 0.40% 0.40% On balances from $50,000.00 and over 0.50% 0.50% Share Drafts TERMS No dividends paid on draft accounts. IRA Accounts Eff ective Date: Thursday, March 21, 2019 * TERMS APY RATE On balances from $0.01 and up. Dividends paid quarterly. 0.75% 0.75%

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