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Dear Members,

Please be aware if you receive an email from vfcu@vfcu.net along with http://www.vfcu.net/ and verification@curesources.coop together please do not open email; delete it immediately. Valley Federal Credit Union will never send an email regarding conducting verification of members accounts. Thank you Valley Federal Credit Union.

Interest Rates

Share Certificates

Term Rate APY 6 MO 0.20% 0.20% 12 MO 0.30% 0.30% 18 MO 0.40% 0.40% 24 MO 0.50% 0.50% 30 MO 0.60% 0.60% 36 MO 0.70% 0.70% Comments & Restrictions $1,000 Minimum to open. Subject to early withdrawal penalties. All certificates of deposit automatically renew.

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Jumbo Share Certificate

Term Rate APY 6 MO 0.40% 0.40% 12 MO 0.65% 0.65% 18 MO 0.70% 0.70% 24 MO 0.90% 0.90% 36 MO 0.95% 0.95% 48 MO 1.00% 1.00% 60 MO 1.90% 1.92% Comments & Restrictions $10,000 Minimum to open. Subject to early withdrawal penalties. All Jumbo Share Certificates automatically renew.

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Roth IRA Certificates

Term Rate APY 12 MO 0.65% 0.65% 18 MO 0.70% 0.70% 30 MO 0.80% 0.80% Comments & Restrictions $1,000 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.

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Educational IRA Certificates

Term Rate APY 12 MO 0.65% 0.65% 18 MO 0.70% 0.70% 30 MO 0.80% 0.80% Comments & Restrictions $500 Minimum to open. Subject to federal tax penalties & restrictions. Also subject to early withdrawal penalty.

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Money Market Fund

Rate APY 0.25% 0.25% Comments & Restrictions Dividends paid on balances over $2,500.00. Rates subject to certain requirements, restrictions and service charges.

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Savings & Checkings

Account Type Rate APY Comments Regular Share Account 0.15% 0.15% Dividends paid on balances over $500.00. Youth Share Account 0.15% 0.15% Dividends paid on balances over $100.00 Christmas Club Account 0.15% 0.15% Dividends paid on balances over $1.00 Share Secured Account 0.15% 0.15% Dividends paid on balances over $500.00. IRA Share Account 0.25% 0.25% Minimum

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