Savings account dividends are earned on the daily balance.
This is a variable rate account; the rate(s) may change after the account is opened.

** Eligibility Requirements -
   + Make 10 debit/check card posted merchant point-of-sale transactions per "qualification cycle"
   + Set up one direct deposit, or one automatic debit (ACH), or bill-pay once per month
   + Receive free e-statements

* APY (Annual Percentage Yield) Dividends Paid Monthly, Dividend rate subject to change after account is open, Fees and other conditions could reduce earnings on the account, Refer to MCTCU "All About Your Account" disclosure for additional information.

Dividend Rate - An annualized rate of interest approved by the Board of Directors and paid the same on all similar type accounts.

APY (Annual Percentage Yield) - Expressed as a percentage: reflects the total amount of interest that would be received on a deposit, based on the dividend rate and the frequency of compounding for a 365-day period.

APYE (Annual Percentage Yield Earned) - Expressed as a percentage; reflects the relationship between the dollar amount of dividends actually earned on the account and the actual average daily balance for that period.

Regular Share Account Transaction Limitations - During any month, you may not make more than six withdrawals or transfers to another account by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction, or similar order to a third party. Of the six transfers, no more than three transfers may be made for overdraft protection purposes, either by draft, check, or debit card transaction.