SAVINGS   Share Certain Saver Money Market Money Market Max Certificate Choice Certificate Opening Balance $5 $200 $500 (frozen) $500 (frozen)* $1,000 $1,000 Minimum Daily Balance $200 $200 None None None None Interest Monthly Monthly Monthly Monthly Monthly Monthly Early Withdrawal Penalty No No No No Yes Yes ATM Access Yes No Yes Yes No No # of Transactions/Debits Unlimited Unlimited/$2 fee each 6/month 6/month None One Rate Increase *If balance falls below the $10,000 there is no penalty, but dividend rate is dropped to Regular Share rate.