Rates

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Term Share Certificates

Term Share CertificatesDividend RateAPY*Rate TypeMinimum BalanceCompounded/Paid
90 Day0.20%0.20%Fixed$1,000M
6 Month0.25%0.25%F$1,000M
9 Month0.30%0.30%F$1,000M
12 Month0.35%0.35%F$1,000M
18 Month0.45%0.45%F$1,000M
24 Month0.60% 0.60% F$1,000M
24 Month Bump-Up Special**0.75% 0.75% F$2,000M
36 Month1.00%1.00%F$1,000M
36 Month Bump-Up Special**1.00%1.00%F$2,000M
48 Month1.25%1.25%F$1,000M
60 Month1.50%1.50%F$1,000M
60 Month Bump-Up Special**1.74%1.75%F$2,000M

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

**$2,000 minimum balance required - New Money Only (Funds not already on deposit with

ACCU for longer than 30 days are considered New Money). ACCU's Bump-Up Term Share Certificate allows the member to

request one rate increase during the term of the certificate to a rate currently offered for the same term. Once the rate is

increased, dividends at the higher rate will be paid from that date to the end of the initial term. At maturity of the initial term,

the certificate will automatically renew for the same term, without a bump-up option, unless the member advises ACCU

otherwise. Bump-up rates are capped at 1.40% APY for the 24 month term, 2.00% APY for the 36 month term and 3.00% for

the 60 month term. Early withdrawal penalties apply. Offer available for a limited time. Rates, terms and conditions are

subject to change without notice.

Individual Retirement Accounts1

Individual Retirement AccountsMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Share/Savings$500.15%0.15%VQ
12 Month$5000.35%0.35%FQ
24 Month$5000.60% 0.60% FQ
36 Month$5001.00% 1.00%FQ
48 Month$5001.25%1.25%FQ
60 Month$5001.50%1.50%FQ

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

1. IRA deposits are insured separately from other deposits to $250,000 by the NCUSIF and to $200,000 by ASI. That means your IRA investment is insured up to a combined total of $450,000. IRA Accounts are subject to a penalty for early withdrawal.

Personal Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Elite Checking$7500.10%0.10%VariableM
Regular Share / Savings$1000.10%0.10%VQ
Buddy Bee Savings$250.15%0.15%VQ
Youth Savings$250.10%0.10%VQ
Student Savings$250.10%0.10%VQ
Money Market Account$2,5000.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM
Christmas Club Account (Max. Acct. Balance: $20,000)$100.15%0.15%VM
Vacation Club Account (Max. Acct. Balance: $20,000)$50.15%0.15%VQ
EDUSHARE®$500.40%0.40%VQ

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

Personal Loans

Loan TypeRate (APR** as low as)
Quarterly adjustable HELOC3.25%
3-year Re-price HELOC4.49%
Adoption Loan - Traditional8.90%
Adoption Loan - 84 months10.90%
Adoption Grant Visa10.90%
Adoption Loan - Home Equity Option, 5 yr term4.50%
Adoption Loan - Home Equity Option, 10 yr term6.00%
Adoption Loan - Home Equity Option, 15 yr term6.50%
Auto1.99%
Travel trailer, motor home, van conversion, watercraft, motorcycle6.99%
Savings Secured3.20%
Term Share Certificate3% above certificate rate
Computer Loan8.90%
Signature (up to 36 months)8.75%
Signature (over 36 months)11.00%
Overdraft L75 10.25%
Loanliner L7810.25%
Platinum Visa 10.40%
Platinum Rewards Visa 10.90%

* APY = Annual Percentage Yield

** APR = Annual Percentage Rate

Ministry Term Share Certificates

Term Share CertificatesMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
90 Day$1,0000.20%0.20%FixedM
6 Month$1,0000.25%0.25%FM
9 Month$1,0000.30%0.30%FM
12 Month$1,0000.35%0.35%FM
18 Month$1,0000.45%0.45%FM
24 Month$1,0000.60% 0.60% FM
24 Month Bump-Up Special**$2,0000.75% 0.75% FM
36 Month$1,0001.00%1.00%FM
36 Month Bump-Up Special**$2,0001.00%1.00%FM
48 Month$1,0001.25%1.25%FM
60 Month$1,0001.50%1.50%FM
60 Month Bump-Up Special**$2,0001.74%1.75%FM

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

**$2,000 minimum balance required - New Money Only (Funds not already on deposit with

ACCU for longer than 30 days are considered New Money). ACCU's Bump-Up Term Share Certificate allows the member to

request one rate increase during the term of the certificate to a rate currently offered for the same term. Once the rate is

increased, dividends at the higher rate will be paid from that date to the end of the initial term. At maturity of the initial term,

the certificate will automatically renew for the same term, without a bump-up option, unless the member advises ACCU

otherwise. Bump-up rates are capped at 1.40% APY for the 24 month term, 2.00% APY for the 36 month term and 3.00% for

the 60 month term. Early withdrawal penalties apply. Offer available for a limited time. Rates, terms and conditions are

subject to change without notice.

Ministry Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings$1000.10%0.10%VQ
Share Draft/Checking$1,5000.10%0.10%VM
Money Market Account$2,500 - $9,999.990.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee

Business Term Share Certificates

Term Share CertificatesMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
90 Day$1,0000.20%0.20%FixedM
6 Month$1,0000.25%0.25%FM
9 Month$1,0000.30%0.30%FM
12 Month$1,0000.35%0.35%FM
18 Month$1,0000.45%0.45%FM
24 Month$1,0000.60% 0.60% FM
24 Month Bump-Up Special**$2,0000.75% 0.75% FM
36 Month $1,0001.00%1.00%FM
36 Month Bump-Up Special**$2,0001.00%1.00%FM
48 Month $1,0001.25%1.25%FM
60 Month$1,0001.50%1.50%FM
60 Month Bump-Up Special**$2,0001.74%1.75%FM

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

**$2,000 minimum balance required - New Money Only (Funds not already on deposit with

ACCU for longer than 30 days are considered New Money). ACCU's Bump-Up Term Share Certificate allows the member to

request one rate increase during the term of the certificate to a rate currently offered for the same term. Once the rate is

increased, dividends at the higher rate will be paid from that date to the end of the initial term. At maturity of the initial term,

the certificate will automatically renew for the same term, without a bump-up option, unless the member advises ACCU

otherwise. Bump-up rates are capped at 1.40% APY for the 24 month term, 2.00% APY for the 36 month term and 3.00% for

the 60 month term. Early withdrawal penalties apply. Offer available for a limited time. Rates, terms and conditions are

subject to change without notice.

Business Checking and Savings

ProductMinimum BalanceDividend RateAPY*Rate TypeCompounded/Paid
Regular Share / Savings$1000.10%0.10%VQ
Share Draft/Checking$1,5000.10%0.10%VM
Money Market Account$2,500 - $9,999.990.15%0.15%VM
$10,000 - $24,999.990.20%0.20%VM
$25,000 - $99,999.990.25%0.25%VM
$100,000 and up0.30%0.30%VM
Money Market Plus Account 2$25,000 - $49,999.990.25%0.25%VM
$50,000 - $99,999.990.30%0.30%VM
$100,000 and up0.35%0.35%VM

Rates effective as of September 1, 2014.

* APY = Annual Percentage Yield

2. If balance falls below $25,000, the rate drops to the MMA tier 1 rate and $10 monthly fee