Redstone Federal Credit Union

r e d f c u.o r g | 9 r e d f c u.o r g | 9 It's the end of an era. e U.S. Mint stopped producing pennies in November 2025. It wasn't a myth that the cost to make a penny was more than a penny was worth. e good news is that your pennies can still carry a punch. If you've got some lying around, here are ideas for what to do with them. OPEN A SHARE CERTIFICATE OR MONEY MARKET ACCOUNT. Redstone's limited-time Starter Certificate* has a minimum deposit of only $50. You gain a fixed annual percentage yield for a six-month term with dividends paid quarterly. A Money Market Share** account offers higher dividend earnings than other savings accounts, and you'll have more access to your funds than you would with a Certificate. With either account, your pennies can provide an excellent starting place for building strong financial habits with confidence. Remember: A penny saved is a penny earned. BOOST YOUR EMERGENCY FUND. Financial experts recommend setting aside funds to cover three to six months' worth of expenses in case of emergency. is account can provide peace of mind if you lose your job or experience some other unexpected circumstance. To build your fund, start with your pennies and then add to the account a set amount with every paycheck. Find more ways to refresh your emergency fund on page 4. CASH IN YOUR PENNIES. Some coin counting machines, such as Coinstar®, charge a service fee as high as 13.5%. Redstone's rate is significantly less, only 4%. is could be a fun learning experience for children! If they're ages 0 to 12 and open their first savings account with Redstone, they become part of the S.T.A.R. Club and receive free coin machine use. DONATE TO A CAUSE THAT'S IMPORTANT TO YOU. Here's one final idea: Give. You could use your pennies to improve the world around you. at falls in line with Redstone's commitment to the communities we serve. We believe in people helping people. PENNY POWER: MAKE THEM WORK FOR YOU *6-month Starter Share Certificate: A $50 minimum deposit is required to open this account and earn the disclosed APY, with maximum deposit of $3,000. Only one active Starter Share Certificate is allowed at a time per member. Additional deposits are allowed during the term of the certificate. A withdrawal, fees, or other conditions could reduce earnings on the account. We may impose a penalty if you withdraw any of the funds before the maturity date. As a penalty for early withdrawal from this certificate, you shall forfeit an amount equal to all dividends at the stated rate for 90 days on the amount withdrawn. At maturity, funds will automatically be transferred to the primary share account. The Credit Union may stop offering this certificate at any time without notice. **Money Market Share account: $1 minimum deposit is required to open the Money Market Share Account. A minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time the daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the stated Annual Percentage Yield for that tier. RFCU is federally insured by NCUA.

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