Savings Rates

Savings Accounts

Effective Date: OCTOBER 1, 2011

Name APR APY

Shares   0.05%   0.05%

Holiday Club   0.05%   0.05%

Money Market Shares $1,000 to $2,499   0.05%   0.05%

Money Market Shares $2,500 to $9,999   0.10%   0.10%

Money Market Shares $10,000 and up   0.15%   0.15%

IRA Shares   0.10%   0.10%

To maintain membership in the credit union a minimum balance of $5.00 must be kept in the share account. However a low balance fee may be charged each month if the aggregate balance in a member's account falls below $100.00, see Fees & Charges. The dividend rate and APY on share and club accounts may change everyday based on the determination of the credit union board of directors.

Certificate of Deposit

Effective Date: March 12, 2012

Term APR APY Minimum Deposit

3 Month CD   0.15%   0.15% $500.00

6 Month CD   0.20%   0.20% $500.00

12 Month CD   0.35%   0.35% $500.00

12 Month Relationship CD*   1.10%   1.11% 500 maximum $25,000

24 Month CD   0.50%   0.50% $500.00

36 Month CD   0.75%   0.75% $500.00

48 Month CD   0.90%   0.90% $500.00

60 Month CD   1.25%   1.26% $500.00

Jumbo CDs of $100,000 or more - add .20% to any term

* Special .75% rate increase on 12 month CD with Direct Deposit, any loan or VISA with a balance or Mortgage with Village Community C.U. Must be a current member of Village Community C.U. Offer may be discontinued at any time.

APR = Annual Percentage Rate
APY = Annual Percentage Yield

All Credit Union accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA) an agency of the United States Government.

Savings Accounts
Effective Date: OCTOBER 1, 2011
Name	APR	APY
Shares	0.05%	0.05%
Holiday Club	0.05%	0.05%
Money Market Shares $1,000 to $2,499	0.05%	0.05%
Money Market Shares $2,500 to $9,999	0.10%	0.10%
Money Market Shares $10,000 and up	0.15%	0.15%
IRA Shares	0.10%	0.10%
To maintain membership in the credit union a minimum balance of $5.00 must be kept in the share account. However a low balance fee may be charged each month if the aggregate balance in a member's account falls below $100.00, see Fees & Charges. The dividend rate and APY on share and club accounts may change everyday based on the determination of the credit union board of directors.

Certificate of Deposit
Effective Date: March 12, 2012
Term	APR	APY	Minimum Deposit
3 Month CD	0.15%	0.15%	$500.00
6 Month CD	0.20%	0.20%	$500.00
12 Month CD	0.35%	0.35%	$500.00
12 Month Relationship CD*	1.10%	1.11%	500 maximum $25,000
24 Month CD	0.50%	0.50%	$500.00
36 Month CD	0.75%	0.75%	$500.00
48 Month CD	0.90%	0.90%	$500.00
60 Month CD	1.25%	1.26%	$500.00
Jumbo CDs of $100,000 or more - add .20% to any term
* Special .75% rate increase on 12 month CD with Direct Deposit, any loan or VISA with a balance or Mortgage with Village Community C.U. Must be a current member of Village Community C.U. Offer may be discontinued at any time.