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CERTIFICATE OF DEPOSIT

                 REGULAR CERTIFICATES

Minimum Opening Deposit: $500.00

Dividends Compounded: Monthly

Dividends Credited: Monthly

Dividend Period: Calendar Month

The annual percentage yield is based on the assumption that dividends will remain in the account until maturity. A withdrawal of dividends prior to maturity will reduce earnings. We may impose a penalty if you withdraw from your account before maturity. Share certificates federally insured to $250,000 by NCUA. Please contact the credit union for daily rates.  All rates subject to change without notice.

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