Daily Balance	Rate	APY
$0 - $24.99	0.00%	0.00%
$25 - $2000	0.05%	0.05%
$2000.01 - +	0.05%	0.05%

Type	Rate	APY
IRA Share	0.10%	0.10%
Roth IRA - Share Account	0.10%	0.10%
Coverdell Education Savings	0.10%	0.10%

*The start up fee to open an IRA is $10.00 The annual maintenance fee is $10.00. The fee to close the account is $10.00. APR is the Annual Percentage Rate. APR (Annual Percentage Rate) is simple interest without compounding. For example, $10,000 @ 6.00 APR for 2 years will produce $600 of interest per year (or $300 semiannually, or $150 quarterly, or $50 monthly). APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is longer). For example, $10,000 @ 6.00 APR for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. APY is the Annual Percentage Yield. Dividends on your savings are calculated daily, paid monthly, and are shown on your quarterly statement. Fees could reduce earnings on the account. Rates may change after the account is opened. For more current rates please contact the credit union.

Type	Rate	APY
Money Market Share Account	0.70%	0.70%
Reserve Share Account	0.05%	0.05%
**Share Draft	0.05%	0.05%

APY = Annual Percentage Yield APR = Annual Percentage Rate **The minimum balance required to avoid a service charge is $100.00. If the balance falls below $100.00 any time during the month, a $5.00 service charge will be assessed for that month. Other fees are as follows: • Stop Payment – $20.00 • Overdraft Transfer Fee $5.00 • Nonsufficient Funds (NSF) – $20.00 • Return Check $3.00 • Copy of Cleared Draft – $3.00 • Close Account Fee $20.00 • Extra Statement Copy – $5.00 • Account reconciliation – $20.00 Minimum / $20.00 per hour

Type	Rate	APY
91 Day - $2000.00 minimum	0.20%	0.20%
6 Month - $2000.00 minimum	0.499%	0.50%
1 Year - 2000.00 minimum	0.80%	0.80%
2 Year - $2000.00 minimum	0.955%	0.95%
3 Year - $2000.00 minimum	1.01%	1.00%
4 Year - $2000.00 minimum	1.274%	1.25%
5 Year - $2000.00 minimum	1.334%	1.30%

Early Withdraw Penalty: 180 Dividend Days

Type	Rate	APY
Collateralized Loan	as low as 4.5%	Up to 84 months
Overdraft Protection Loan	12.00%

Minimum Payment – Your minimum payment will never be less than $25.00 a month. ***The Annual Percentage Rate (APR) for Share Certificate Secured Advances will be the rate of the Certificate, rounded up to the nearest half percent, plus the applicable percentage in the “PRESENT APR” column. Certificates offered as security must be renewed until the advance is completely paid. When the certificate is renewed the APR will change to reflect any change in the Certificate rate. The APR will never exceed the rate permitted under Montana State Law. Any increase in the APR will result in more payments of the same amount.