|Share Certificate Account (Including IRAs)|
|Jumbo Certificates (Including IRAs)|
*APY = Annual Percentage Yield. ** APR = Annual Percentage Rate.
Fees or other conditions could reduce earnings on any of the listed accounts. The dividend Rate and APY on all accounts are effective as of the date noted and are subject to change without notice. A penalty may be imposed for early withdrawal. This schedule is incorporated as part of your account agreement with MWD Federal Credit Union.