DIVIDEND

RATES & TERMS

Rates quoted are effective as of EFFECTIVE_DATE and are subject to change without notice. The Annual Percentage Yield (APY) on non-certificate shares is accurate as of the last dividend declaration date.

Please see SchoolsFirst FCU's Statement of Fees and Disclosure & Agreement of Terms and Conditions brochure for specific details about any account, or Account Disclosure for Share Certificates, Individual Retirement Accounts and Deferred Compensation Plans brochure for specific details on those products.

For more information, visit our website at www.schoolsfirstfcu.org or call 800.462.8328.

Checking & Savings¹

Variable rate accounts, subject to change after account opening.

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	DIVSH010000005\|MinBal	DIVSH010000005\|APR	DIVSH010000005\|APY
Liquid Advantage Money Market Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.	DIVSH060002000\|MinBal - DIVSH060002000\|MaxBal	DIVSH060002000\|APR	DIVSH060002000\|APY
	DIVSH060010000\|MinBal - DIVSH060050000\|MaxBal	DIVSH060010000\|APR	DIVSH060010000\|APY
	DIVSH060100000\|MinBal+	DIVSH060100000\|APR	DIVSH060100000\|APY
Investment Checking Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.	DIVSH720000000\|MinBal - DIVSH720000000\|MaxBal	DIVSH720000000\|APR	DIVSH720000000\|APY
	DIVSH720025000\|MinBal - DIVSH720100000\|MinBal+	DIVSH720025000\|APR	DIVSH720025000\|APY

Checking & Savings Rates
Accounts
Share Savings
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH010000005\|MinBal	DIVSH010000005\|APR	DIVSH010000005\|APY
Liquid Advantage Money Market Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH060002000\|MinBal - DIVSH060002000\|MaxBal	DIVSH060002000\|APR	DIVSH060002000\|APY
DIVSH060010000\|MinBal - DIVSH060050000\|MaxBal	DIVSH060010000\|APR	DIVSH060010000\|APY
DIVSH060100000\|MinBal+	DIVSH060100000\|APR	DIVSH060100000\|APY
Investment Checking Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH720000000\|MinBal - DIVSH720000000\|MaxBal	DIVSH720000000\|APR	DIVSH720000000\|APY
DIVSH720025000\|MinBal - DIVSH720100000\|MinBal+	DIVSH720025000\|APR	DIVSH720025000\|APY

Share Certificates^1,²

Share Certificates^1,2
Terms		$500 Minimum Balance	$20,000 Minimum Balance	$50,000 Minimum Balance	$100,000 Minimum Balance (Jumbo)
30 days	Dividend Rate	DIVSH480000500\|APR	DIVSH480020000\|APR	DIVSH480050000\|APR	DIVSH490100000\|APR
30 days	APY	DIVSH480000500\|APY	DIVSH480020000\|APY	DIVSH480050000\|APY	DIVSH490100000\|APY
3-5 Months	Dividend Rate	DIVSH500000500\|APR	DIVSH500020000\|APR	DIVSH500050000\|APR	DIVSH510100000\|APR
3-5 Months	APY	DIVSH500000500\|APY	DIVSH500020000\|APY	DIVSH500050000\|APY	DIVSH510100000\|APY
6-11 Months	Dividend Rate	DIVSH520000500\|APR	DIVSH520020000\|APR	DIVSH520050000\|APR	DIVSH530100000\|APR
6-11 Months	APY	DIVSH520000500\|APY	DIVSH520020000\|APY	DIVSH520050000\|APY	DIVSH530100000\|APY
12-17 Months	Dividend Rate	DIVSH540000500\|APR	DIVSH540020000\|APR	DIVSH540050000\|APR	DIVSH550100000\|APR
12-17 Months	APY	DIVSH540000500\|APY	DIVSH540020000\|APY	DIVSH540050000\|APY	DIVSH550100000\|APY
18-23 Months	Dividend Rate	DIVSH560000500\|APR	DIVSH560020000\|APR	DIVSH560050000\|APR	DIVSH570100000\|APR
18-23 Months	APY	DIVSH560000500\|APY	DIVSH560020000\|APY	DIVSH560050000\|APY	DIVSH570100000\|APY
24-35 Months	Dividend Rate	DIVSH640000500\|APR	DIVSH640020000\|APR	DIVSH640050000\|APR	DIVSH650100000\|APR
24-35 Months	APY	DIVSH640000500\|APY	DIVSH640020000\|APY	DIVSH640050000\|APY	DIVSH650100000\|APY
36-47 Months	Dividend Rate	DIVSH580000500\|APR	DIVSH580020000\|APR	DIVSH580050000\|APR	DIVSH590100000\|APR
36-47 Months	APY	DIVSH580000500\|APY	DIVSH580020000\|APY	DIVSH580050000\|APY	DIVSH590100000\|APY
48-59 Months	Dividend Rate	DIVSH620000500\|APR	DIVSH620020000\|APR	DIVSH620050000\|APR	DIVSH630100000\|APR
48-59 Months	APY	DIVSH620000500\|APY	DIVSH620020000\|APY	DIVSH620050000\|APY	DIVSH630100000\|APY
60 Months	Dividend Rate	DIVSH600000500\|APR	DIVSH600020000\|APR	DIVSH600050000\|APR	DIVSH610100000\|APR
60 Months	APY	DIVSH600000500\|APY	DIVSH600020000\|APY	DIVSH600050000\|APY	DIVSH610100000\|APY

Share Certificates^1,2
Share Certificates^1,2
$500 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480000500\|APR	DIVSH480000500\|APY
3-5 Months	DIVSH500000500\|APR	DIVSH500000500\|APY
6-11 Months	DIVSH520000500\|APR	DIVSH520000500\|APY
12-17 Months	DIVSH540000500\|APR	DIVSH540000500\|APY
18-23 Months	DIVSH560000500\|APR	DIVSH560000500\|APY
24-35 Months	DIVSH640000500\|APR	DIVSH640000500\|APY
36-47 Months	DIVSH580000500\|APR	DIVSH580000500\|APY
48-59 Months	DIVSH620000500\|APR	DIVSH620000500\|APY
60 Months	DIVSH600000500\|APR	DIVSH600000500\|APY
$20,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480020000\|APR	DIVSH480020000\|APY
3-5 Months	DIVSH500020000\|APR	DIVSH500020000\|APY
6-11 Months	DIVSH520020000\|APR	DIVSH520020000\|APY
12-17 Months	DIVSH540020000\|APR	DIVSH540020000\|APY
18-23 Months	DIVSH560020000\|APR	DIVSH560020000\|APY
24-35 Months	DIVSH640020000\|APR	DIVSH640020000\|APY
36-47 Months	DIVSH580020000\|APR	DIVSH580020000\|APY
48-59 Months	DIVSH620020000\|APR	DIVSH620020000\|APY
60 Months	DIVSH600020000\|APR	DIVSH600020000\|APY
$50,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480050000\|APR	DIVSH480050000\|APY
3-5 Months	DIVSH500050000\|APR	DIVSH500050000\|APY
6-11 Months	DIVSH520050000\|APR	DIVSH520050000\|APY
12-17 Months	DIVSH540050000\|APR	DIVSH540050000\|APY
18-23 Months	DIVSH560050000\|APR	DIVSH560050000\|APY
24-35 Months	DIVSH640050000\|APR	DIVSH640050000\|APY
36-47 Months	DIVSH580050000\|APR	DIVSH580050000\|APY
48-59 Months	DIVSH620050000\|APR	DIVSH620050000\|APY
60 Months	DIVSH600050000\|APR	DIVSH600050000\|APY
$100,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH490100000\|APR	DIVSH490100000\|APY
3-5 Months	DIVSH510100000\|APR	DIVSH510100000\|APY
6-11 Months	DIVSH530100000\|APR	DIVSH530100000\|APY
12-17 Months	DIVSH550100000\|APR	DIVSH550100000\|APY
18-23 Months	DIVSH570100000\|APR	DIVSH570100000\|APY
24-35 Months	DIVSH650100000\|APR	DIVSH650100000\|APY
36-47 Months	DIVSH590100000\|APR	DIVSH590100000\|APY
48-59 Months	DIVSH630100000\|APR	DIVSH630100000\|APY
60 Months	DIVSH610100000\|APR	DIVSH610100000\|APR

IRA Certificates^1,2

Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 10 day grace period immediately following the maturity date.

IRA Certificates^1,2
Terms		$500 Minimum Balance	$20,000 Minimum Balance	$50,000 Minimum Balance	$100,000 Minimum Balance (Jumbo)
30 days³	Dividend Rate	DIVSH370000500\|APR	DIVSH370020000\|APR	DIVSH370050000\|APR	DIVSH370100000\|APR
30 days³	APY	DIVSH370000500\|APY	DIVSH370020000\|APY	DIVSH370050000\|APY	DIVSH370100000\|APY
3-5 Months³	Dividend Rate	DIVSH800000500\|APR	DIVSH800020000\|APR	DIVSH800050000\|APR	DIVSH800100000\|APR
3-5 Months³	APY	DIVSH800000500\|APY	DIVSH800020000\|APY	DIVSH800050000\|APY	DIVSH800100000\|APY
6-11 Months³	Dividend Rate	DIVSH820000500\|APR	DIVSH820020000\|APR	DIVSH820050000\|APR	DIVSH820100000\|APR
6-11 Months³	APY	DIVSH820000500\|APY	DIVSH820020000\|APY	DIVSH820050000\|APY	DIVSH820100000\|APY
12-17 Months³	Dividend Rate	DIVSH840000500\|APR	DIVSH840020000\|APR	DIVSH840050000\|APR	DIVSH840100000\|APR
12-17 Months³	APY	DIVSH840000500\|APY	DIVSH840020000\|APY	DIVSH840050000\|APY	DIVSH840100000\|APY
18-23 Months³	Dividend Rate	DIVSH860000500\|APR	DIVSH860020000\|APR	DIVSH860050000\|APR	DIVSH860100000\|APR
18-23 Months³	APY	DIVSH860000500\|APY	DIVSH860020000\|APY	DIVSH860050000\|APY	DIVSH860100000\|APY
24-35 Months	Dividend Rate	DIVSH880000500\|APR	DIVSH880020000\|APR	DIVSH880050000\|APR	DIVSH880100000\|APR
24-35 Months	APY	DIVSH880000500\|APY	DIVSH880020000\|APY	DIVSH880050000\|APY	DIVSH880100000\|APY
36-47 Months	Dividend Rate	DIVSH900000500\|APR	DIVSH900020000\|APR	DIVSH900050000\|APR	DIVSH900100000\|APR
36-47 Months	APY	DIVSH900000500\|APY	DIVSH900020000\|APY	DIVSH900050000\|APY	DIVSH900100000\|APY
48-59 Months	Dividend Rate	DIVSH920000500\|APR	DIVSH920020000\|APR	DIVSH920050000\|APR	DIVSH920100000\|APR
48-59 Months	APY	DIVSH920000500\|APY	DIVSH920020000\|APY	DIVSH920050000\|APY	DIVSH920100000\|APY
60 Months	Dividend Rate	DIVSH940000500\|APR	DIVSH940020000\|APR	DIVSH940050000\|APR	DIVSH940100000\|APR
60 Months	APY	DIVSH940000500\|APY	DIVSH940020000\|APY	DIVSH940050000\|APY	DIVSH940100000\|APY

IRA Certificates
IRA Certificates^1,2
$500 Minimum Balance
Term	Dividend Rate	APY
30 days³	DIVSH370000500\|APR	DIVSH370000500\|APY
3-5 Months³	DIVSH800000500\|APR	DIVSH800000500\|APY
6-11 Months³	DIVSH820000500\|APR	DIVSH820000500\|APY
12-17 Months³	DIVSH840000500\|APR	DIVSH840000500\|APY
18-23 Months³	DIVSH860000500\|APR	DIVSH860000500\|APY
24-35 Months	DIVSH880000500\|APR	DIVSH880000500\|APY
36-47 Months	DIVSH900000500\|APR	DIVSH900000500\|APY
48-59 Months	DIVSH920000500\|APR	DIVSH920000500\|APY
60 Months	DIVSH940000500\|APR	DIVSH940000500\|APY
$20,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH370020000\|APR	DIVSH370020000\|APY
3-5 Months	DIVSH800020000\|APR	DIVSH800020000\|APY
6-11 Months	DIVSH820020000\|APR	DIVSH820020000\|APY
12-17 Months	DIVSH840020000\|APR	DIVSH840020000\|APY
18-23 Months	DIVSH860020000\|APR	DIVSH860020000\|APY
24-35 Months	DIVSH880020000\|APR	DIVSH880020000\|APY
36-47 Months	DIVSH900020000\|APR	DIVSH900020000\|APY
48-59 Months	DIVSH920020000\|APR	DIVSH920020000\|APY
60 Months	DIVSH940020000\|APR	DIVSH940020000\|APY
$50,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH370050000\|APR	DIVSH370050000\|APY
3-5 Months	DIVSH800050000\|APR	DIVSH800050000\|APY
6-11 Months	DIVSH820020000\|APY	DIVSH820050000\|APR
12-17 Months	DIVSH840050000\|APR	DIVSH840050000\|APY
18-23 Months	DIVSH860050000\|APR	DIVSH860050000\|APY
24-35 Months	DIVSH880050000\|APR	DIVSH880050000\|APY
36-47 Months	DIVSH900050000\|APR	DIVSH900050000\|APY
48-59 Months	DIVSH920050000\|APR	DIVSH920050000\|APY
60 Months	DIVSH940050000\|APR	DIVSH940050000\|APY
$100,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH370100000\|APR	DIVSH370100000\|APY
3-5 Months	DIVSH800100000\|APR	DIVSH800100000\|APY
6-11 Months	DIVSH820100000\|APR	DIVSH820100000\|APY
12-17 Months	DIVSH840100000\|APR	DIVSH840100000\|APY
18-23 Months	DIVSH860100000\|APR	DIVSH860100000\|APY
24-35 Months	DIVSH880100000\|APR	DIVSH880100000\|APY
36-47 Months	DIVSH900100000\|APR	DIVSH900100000\|APY
48-59 Months	DIVSH920100000\|APR	DIVSH920100000\|APY
60 Months	DIVSH940100000\|APR	DIVSH940100000\|APY

Custom Savings Accounts

Custom Savings Accounts
	Minimum Opening Deposit*	Dividend Rate	Annual Percentage Yield (APY)
My Club Account Select a 6 to 18 months initial maturity; Account matures on same day of same month each year thereafter. Variable rate account, subject to change after the account is opened.	No minimum opening deposit required.	DIVSH240000000\|APR	DIVSH240000000\|APY
12-Month College Saver² *The minimum opening deposit listed is also the minimum balance required to earn the stated APY.	DIVSH150000200\|MinBal	DIVSH150000200\|APR	DIVSH150000200\|APY

Custom Savings Accounts
Custom Savings Accounts
My Club Account Select a 6 to 18 months initial maturity; Account matures on same day of same month each year thereafter. Variable rate account, subject to change after the account is opened.
Minimum Opening Deposit*
No minimum opening deposit required.
Dividend Rate	DIVSH240000000\|APR
Annual Percentage Yield (APY)	DIVSH240000000\|APY
12-Month College Saver² *The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Minimum Opening Deposit*
DIVSH150000200\|MinBal
Dividend Rate	DIVSH150000200\|APR
Annual Percentage Yield (APY)	DIVSH150000200\|APY

Other Savings Accounts

Other Savings Accounts
	Minimum Opening Deposit*	Dividend Rate	Annual Percentage Yield (APY)
Accumulation IRA Variable rate account; rate subject to change after the account is opened.	DIVSH300000010\|MinBal	DIVSH300000010\|APR	DIVSH300000010\|APY
12-Month Coverdell Education Savings Account^2,4 *The minimum opening deposit listed is also the minimum balance required to earn the stated APY.	DIVSH790000100\|MinBal	DIVSH790000100\|APR	DIVSH790000100\|APY

Other Savings Accounts
Other Savings Accounts
Accumulation IRA Variable rate account; rate subject to change after the account is opened.
Minimum Opening Deposit*
DIVSH300000010\|MinBal
Dividend Rate	DIVSH300000010\|APR
Annual Percentage Yield (APY)	DIVSH300000010\|APY
12-Month Coverdell Education Savings Account^2,4 *The minimum opening deposit listed is also the minimum balance required to earn the stated APY.
Minimum Opening Deposit*
DIVSH790000100\|MinBal
Dividend Rate	DIVSH790000100\|APR
Annual Percentage Yield (APY)	DIVSH790000100\|APY

APY = Annual Percentage Yield.

IRA = Individual Retirement Account. Maximum annual contributions and contribution periods are determined by IRS regulations.

¹Fees could reduce earnings on the account.

²Penalty for early withdrawal.

³Rollovers or transfers from another plan or institution may be added to the 30 day to 23-month IRA Share Certificate at any time.

⁴Maximum annual contributions and contribution periods are determined by IRS regulations.

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	DIVSH010000005\|MinBal	DIVSH010000005\|APR	DIVSH010000005\|APY
Liquid Advantage Money Market Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.	DIVSH060002000\|MinBal - DIVSH060002000\|MaxBal	DIVSH060002000\|APR	DIVSH060002000\|APY
	DIVSH060010000\|MinBal - DIVSH060050000\|MaxBal	DIVSH060010000\|APR	DIVSH060010000\|APY
	DIVSH060100000\|MinBal+	DIVSH060100000\|APR	DIVSH060100000\|APY
Investment Checking Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.	DIVSH720000000\|MinBal - DIVSH720000000\|MaxBal	DIVSH720000000\|APR	DIVSH720000000\|APY
	DIVSH720025000\|MinBal - DIVSH720100000\|MinBal+	DIVSH720025000\|APR	DIVSH720025000\|APY

Accounts
Share Savings
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH010000005\|MinBal	DIVSH010000005\|APR	DIVSH010000005\|APY
Liquid Advantage Money Market Dividend rate and APY apply to entire balance in account. Minimum opening deposit is $2,000; if balance decreases below $2,000, dividend rate will convert to Investment Checking dividend rate.
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH060002000\|MinBal - DIVSH060002000\|MaxBal	DIVSH060002000\|APR	DIVSH060002000\|APY
DIVSH060010000\|MinBal - DIVSH060050000\|MaxBal	DIVSH060010000\|APR	DIVSH060010000\|APY
DIVSH060100000\|MinBal+	DIVSH060100000\|APR	DIVSH060100000\|APY
Investment Checking Minimum opening deposit $25. Dividend rate and APY apply to entire balance in account.
Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
DIVSH720000000\|MinBal - DIVSH720000000\|MaxBal	DIVSH720000000\|APR	DIVSH720000000\|APY
DIVSH720025000\|MinBal - DIVSH720100000\|MinBal+	DIVSH720025000\|APR	DIVSH720025000\|APY

Terms		$500 Minimum Balance	$20,000 Minimum Balance	$50,000 Minimum Balance	$100,000 Minimum Balance (Jumbo)
30 days	Dividend Rate	DIVSH480000500\|APR	DIVSH480020000\|APR	DIVSH480050000\|APR	DIVSH490100000\|APR
30 days	APY	DIVSH480000500\|APY	DIVSH480020000\|APY	DIVSH480050000\|APY	DIVSH490100000\|APY
3-5 Months	Dividend Rate	DIVSH500000500\|APR	DIVSH500020000\|APR	DIVSH500050000\|APR	DIVSH510100000\|APR
3-5 Months	APY	DIVSH500000500\|APY	DIVSH500020000\|APY	DIVSH500050000\|APY	DIVSH510100000\|APY
6-11 Months	Dividend Rate	DIVSH520000500\|APR	DIVSH520020000\|APR	DIVSH520050000\|APR	DIVSH530100000\|APR
6-11 Months	APY	DIVSH520000500\|APY	DIVSH520020000\|APY	DIVSH520050000\|APY	DIVSH530100000\|APY
12-17 Months	Dividend Rate	DIVSH540000500\|APR	DIVSH540020000\|APR	DIVSH540050000\|APR	DIVSH550100000\|APR
12-17 Months	APY	DIVSH540000500\|APY	DIVSH540020000\|APY	DIVSH540050000\|APY	DIVSH550100000\|APY
18-23 Months	Dividend Rate	DIVSH560000500\|APR	DIVSH560020000\|APR	DIVSH560050000\|APR	DIVSH570100000\|APR
18-23 Months	APY	DIVSH560000500\|APY	DIVSH560020000\|APY	DIVSH560050000\|APY	DIVSH570100000\|APY
24-35 Months	Dividend Rate	DIVSH640000500\|APR	DIVSH640020000\|APR	DIVSH640050000\|APR	DIVSH650100000\|APR
24-35 Months	APY	DIVSH640000500\|APY	DIVSH640020000\|APY	DIVSH640050000\|APY	DIVSH650100000\|APY
36-47 Months	Dividend Rate	DIVSH580000500\|APR	DIVSH580020000\|APR	DIVSH580050000\|APR	DIVSH590100000\|APR
36-47 Months	APY	DIVSH580000500\|APY	DIVSH580020000\|APY	DIVSH580050000\|APY	DIVSH590100000\|APY
48-59 Months	Dividend Rate	DIVSH620000500\|APR	DIVSH620020000\|APR	DIVSH620050000\|APR	DIVSH630100000\|APR
48-59 Months	APY	DIVSH620000500\|APY	DIVSH620020000\|APY	DIVSH620050000\|APY	DIVSH630100000\|APY
60 Months	Dividend Rate	DIVSH600000500\|APR	DIVSH600020000\|APR	DIVSH600050000\|APR	DIVSH610100000\|APR
60 Months	APY	DIVSH600000500\|APY	DIVSH600020000\|APY	DIVSH600050000\|APY	DIVSH610100000\|APY

Share Certificates^1,2
$500 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480000500\|APR	DIVSH480000500\|APY
3-5 Months	DIVSH500000500\|APR	DIVSH500000500\|APY
6-11 Months	DIVSH520000500\|APR	DIVSH520000500\|APY
12-17 Months	DIVSH540000500\|APR	DIVSH540000500\|APY
18-23 Months	DIVSH560000500\|APR	DIVSH560000500\|APY
24-35 Months	DIVSH640000500\|APR	DIVSH640000500\|APY
36-47 Months	DIVSH580000500\|APR	DIVSH580000500\|APY
48-59 Months	DIVSH620000500\|APR	DIVSH620000500\|APY
60 Months	DIVSH600000500\|APR	DIVSH600000500\|APY
$20,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480020000\|APR	DIVSH480020000\|APY
3-5 Months	DIVSH500020000\|APR	DIVSH500020000\|APY
6-11 Months	DIVSH520020000\|APR	DIVSH520020000\|APY
12-17 Months	DIVSH540020000\|APR	DIVSH540020000\|APY
18-23 Months	DIVSH560020000\|APR	DIVSH560020000\|APY
24-35 Months	DIVSH640020000\|APR	DIVSH640020000\|APY
36-47 Months	DIVSH580020000\|APR	DIVSH580020000\|APY
48-59 Months	DIVSH620020000\|APR	DIVSH620020000\|APY
60 Months	DIVSH600020000\|APR	DIVSH600020000\|APY
$50,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH480050000\|APR	DIVSH480050000\|APY
3-5 Months	DIVSH500050000\|APR	DIVSH500050000\|APY
6-11 Months	DIVSH520050000\|APR	DIVSH520050000\|APY
12-17 Months	DIVSH540050000\|APR	DIVSH540050000\|APY
18-23 Months	DIVSH560050000\|APR	DIVSH560050000\|APY
24-35 Months	DIVSH640050000\|APR	DIVSH640050000\|APY
36-47 Months	DIVSH580050000\|APR	DIVSH580050000\|APY
48-59 Months	DIVSH620050000\|APR	DIVSH620050000\|APY
60 Months	DIVSH600050000\|APR	DIVSH600050000\|APY
$100,000 Minimum Balance
Term	Dividend Rate	APY
30 days	DIVSH490100000\|APR	DIVSH490100000\|APY
3-5 Months	DIVSH510100000\|APR	DIVSH510100000\|APY
6-11 Months	DIVSH530100000\|APR	DIVSH530100000\|APY
12-17 Months	DIVSH550100000\|APR	DIVSH550100000\|APY
18-23 Months	DIVSH570100000\|APR	DIVSH570100000\|APY
24-35 Months	DIVSH650100000\|APR	DIVSH650100000\|APY
36-47 Months	DIVSH590100000\|APR	DIVSH590100000\|APY
48-59 Months	DIVSH630100000\|APR	DIVSH630100000\|APY
60 Months	DIVSH610100000\|APR	DIVSH610100000\|APR

Terms		$500 Minimum Balance	$20,000 Minimum Balance	$50,000 Minimum Balance	$100,000 Minimum Balance (Jumbo)
30 days³	Dividend Rate	DIVSH370000500\|APR	DIVSH370020000\|APR	DIVSH370050000\|APR	DIVSH370100000\|APR
30 days³	APY	DIVSH370000500\|APY	DIVSH370020000\|APY	DIVSH370050000\|APY	DIVSH370100000\|APY
3-5 Months³	Dividend Rate	DIVSH800000500\|APR	DIVSH800020000\|APR	DIVSH800050000\|APR	DIVSH800100000\|APR
3-5 Months³	APY	DIVSH800000500\|APY	DIVSH800020000\|APY	DIVSH800050000\|APY	DIVSH800100000\|APY
6-11 Months³	Dividend Rate	DIVSH820000500\|APR	DIVSH820020000\|APR	DIVSH820050000\|APR	DIVSH820100000\|APR
6-11 Months³	APY	DIVSH820000500\|APY	DIVSH820020000\|APY	DIVSH820050000\|APY	DIVSH820100000\|APY
12-17 Months³	Dividend Rate	DIVSH840000500\|APR	DIVSH840020000\|APR	DIVSH840050000\|APR	DIVSH840100000\|APR
12-17 Months³	APY	DIVSH840000500\|APY	DIVSH840020000\|APY	DIVSH840050000\|APY	DIVSH840100000\|APY
18-23 Months³	Dividend Rate	DIVSH860000500\|APR	DIVSH860020000\|APR	DIVSH860050000\|APR	DIVSH860100000\|APR
18-23 Months³	APY	DIVSH860000500\|APY	DIVSH860020000\|APY	DIVSH860050000\|APY	DIVSH860100000\|APY
24-35 Months	Dividend Rate	DIVSH880000500\|APR	DIVSH880020000\|APR	DIVSH880050000\|APR	DIVSH880100000\|APR
24-35 Months	APY	DIVSH880000500\|APY	DIVSH880020000\|APY	DIVSH880050000\|APY	DIVSH880100000\|APY
36-47 Months	Dividend Rate	DIVSH900000500\|APR	DIVSH900020000\|APR	DIVSH900050000\|APR	DIVSH900100000\|APR
36-47 Months	APY	DIVSH900000500\|APY	DIVSH900020000\|APY	DIVSH900050000\|APY	DIVSH900100000\|APY
48-59 Months	Dividend Rate	DIVSH920000500\|APR	DIVSH920020000\|APR	DIVSH920050000\|APR	DIVSH920100000\|APR
48-59 Months	APY	DIVSH920000500\|APY	DIVSH920020000\|APY	DIVSH920050000\|APY	DIVSH920100000\|APY
60 Months	Dividend Rate	DIVSH940000500\|APR	DIVSH940020000\|APR	DIVSH940050000\|APR	DIVSH940100000\|APR
60 Months	APY	DIVSH940000500\|APY	DIVSH940020000\|APY	DIVSH940050000\|APY	DIVSH940100000\|APY

​DIVIDEND

RATES & TERMS

Checking & Savings1

Share Certificates1,2