LADDER UP SPECIAL OFFER

¹Offer available to all members in good standing who have a Share Certificate maturing January 1 – February 28, 2025. To qualify for this promotion, member must reinvest at least the original opening deposit into a Special Share Certificate Ladder² no later than 10 days following their certificate maturity date. Upon meeting all requirements outlined here, the member will receive a basis point increase of 0.20% for each certificate in the ladder. The rate for each new certificate in the ladder will be the published rate for that term on the maturity date of the certificate being reinvested (maturing certificate). For example, if your current certificate has a maturity date of February 1, then your new certificate ladder rates will be the rates published on February 1 + the 0.20% special rate bump.

²Special Share Certificate Ladder: Share Certificate Laddering means investing in multiple Share Certificates of varying terms.

Each Share Certificate in the Special Certificate Ladder is subject to the minimum $500 opening deposit requirement. For the Special Certificate Ladder (12-Month + 24-Month + 36-Month Share Certificates), the special rates will be the maturity date’s rate for each term plus a rate bump of 0.20% APY. Funds must be split equally between the three Share Certificates.

For the Special Certificate Ladder, the total combined balance of the three certificates must be equal to or greater than the original balance of the maturing certificate, and it must meet the minimum opening balance requirement of $500 per certificate. For example, if the original opening balance of the maturing certificate was $1,500, then the ladder must total $1,500 or more with the funds divided equally into three Share Certificates with different maturity dates:

• $500 into a 12-month Share Certificate with maturity date’s rate + 0.20% APY
• $500 into a 24-month Share Certificate with maturity date’s rate + 0.20% APY
• $500 into a 36-month Share Certificate with maturity date’s rate + 0.20% APY

Federally Insured by NCUA