|Type of Account||Dividend Rate||APY**||Minimum Deposit|
|Regular Share Accounts||0.05%||0.05%||$25.00|
|Regular High Yield||0.40%||0.41%||$500.00|
|Christmas Club Account||0.40%||0.41%||$25.00|
*Kids Klub Share Maximum $1000.00 in Kids Kangaroo Klub Account and then the Interest Rate reverts back to the current
Dividends are compounded monthly and are paid monthly. Dividend rates are fixed for the term of the account. Dividends period begin the first calendar date of the quarter and ends on the last calendar date of the quarter. Annual Percentage Yield assumes dividends will remain on deposit until maturity. There is a substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit. The annual percentage yield is a percentage rate that reflects the total amount of the dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding on an annual period. San Juan Mountains Credit Union may offer other rates for these accounts from time to time.