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Dividend Rates April 21, 2014 
Account Name Min. Balance to Earn Dividends* Dividend Rate APY1
Main Share $25.00 0.10% 0.10%
Club Accounts $25.00 0.10% 0.10%
NOW Accounts Checking Tier I $25.00 0.05% 0.05%
NOW Accounts Checking Tier II $1,000.00 0.05% 0.05%
IRA & Roth IRA Savings $25.00 0.20% 0.20%
Money Market Tier I2 $1,000.00 0.15% 0.15%
Money Market Tier II2   $20,000.00 0.25% 0.25%
Money Market Tier III 2 $50,000.00 0.35% 0.35%

*Minimum balance to open.
1 Annual Percentage Yield
2 All other money market account terms apply.

APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with your Credit Union. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. Fees could reduce earnings.

Certificate Rates* April 21, 2014
Account Name Min. Balance to Earn Dividends** Dividend Rate APY1
3 Months $500.00 .20% .20%
6 Months $500.00 .30% .30%
8 Months $500.00 .35% .35%
12 Months3 $500.00 .45% .45%
18 Months3 $500.00 .55% .55%
24 Months3 $500.00 .75% .75%
30 Months3 $500.00 .80% .80%
36 Months3 $500.00 1.00% 1.00%
48 Months3 $500.00 1.29% 1.30%
60 Months3 $500.00 1.44% 1.45%
Jumbo
Jumbo/3 Months $50,000.00 .30% .30%
Jumbo/6 Months $50,000.00 .40% .40%
Jumbo/8 Months $50,000.00 .45% .45%
Jumbo/12 Months3 $50,000.00 .55% .55%
Jumbo/18 Months3 $50,000.00 .65% .65%
Jumbo/24 Months3 $50,000.00 .85% .85%
Jumbo/30 Months3 $50,000.00 .90% .90%
Jumbo/36 Months3 $50,000.00 1.09% 1.10%
Jumbo/48 Months3 $50,000.00 1.39% 1.40%
Jumbo/60 Months3 $50,000.00 1.54% 1.55%

* Subject to penalty for early withdrawal
** Minimum balance to open and earn dividends
1 Annual Percentage Yield
3 Also available for IRA's, including ROTH 

APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. *Jumbo refers to savings and IRA Certificates with minimum balances of $50,000. If you have any questions or need currect rate information on your accounts, please call (617) 635-4545.

Rates subject to change without notice. All rates and terms are available for Savings and IRA Certificates.