Synergy Federal Credit Union - Share Rates

Savings Accounts
Account Type	Dividend Rate	APY*
Share Savings Account**	0.20%	0.20%
Special Share Savings/Club Account	0.20%	0.20%

**$5 minimum balance

Cub and Teen Savings Account**
Account Balance	Dividend Rate	APY*
$5-$499.99	1.70%	1.71%
$500.00 and up	0.20%	0.20%

**Cub Account 0-9 years old; Teen Account 10-17 years old.

Money Market
Account Balance	Dividend Rate	APY*
$2,500 - $24,999.99	0.45%	0.45%
$25,000 - $74,999.99	0.50%	0.50%
$75,000 and above	0.55%	0.55%

Rates effective 01/01/2021 and are subject to change without notice.

*APY = Annual Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.

Rewards Cash Checking Account
Account Balance	Dividend Rate	APY*
Qualifying ($0.01-$10,000)	2.47%	2.50%
Qualifying ($10,000.01 and above)	0.25%	0.25%
Non-Qualifying (all funds)	0.05%	0.05%

Checking Accounts
Account Type	Dividend Rate	APY*
Rewards Cash Back Checking Account	-	-
Share Draft Checking Account	0.05%	0.05%

Rates effective 01/01/2021 and are subject to change without prior notice.

*APY = Annaul Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.

Traditional & Roth IRAs
Account Balance	Dividend Rate	APY*
$25 - $24,999.99	0.60%	0.60%
$25,000 - $74,999.99	0.70%	0.70%
$75,000 and above	0.80%	0.80%

Rates effective 01/01/2021 and are subject to change without prior notice.

*APY = Annual Percentage Yield. Dividend rate calculated on an average daily balance. Paid and compounded monthly.

Share Certificates (6 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.35%	0.35%
$50,001	0.40%	0.40%
$100,001	0.45%	0.45%
$250,001	0.50%	0.50%

Share Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.50%	0.50%
$50,001	0.55%	0.55%
$100,001	0.60%	0.60%
$250,001	0.65%	0.65%

Share Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.60%	0.60%
$50,001	0.65%	0.65%
$100,001	0.70%	0.70%
$250,001	0.75%	0.75%

Share Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.75%	0.75%
$50,001	0.80%	0.80%
$100,001	0.85%	0.85%
$250,001	0.90%	0.90%

Share Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.80%	0.80%
$50,001	0.85%	0.85%
$100,001	0.90%	0.90%
$250,001	0.95%	0.95%

Share Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.90%	0.90%
$50,001	0.95%	0.95%
$100,001	1.00%	1.00%
$250,001	1.05%	1.06%

Rates are applicable 01/20/2021 - 01/26/2021

*APY = Annual Percentage Yield. All rates are annualized and are subject to change without prior notice.

IRA Certificates (6 months)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.45%	0.45%
$50,001	0.50%	0.50%
$100,001	0.55%	0.55%
$250,001	0.60%	0.60%

IRA Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.60%	0.60%
$50,001	0.65%	0.65%
$100,001	0.70%	0.70%
$250,001	0.75%	0.75%

IRA Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.70%	0.70%
$50,001	0.75%	0.75%
$100,001	0.80%	0.80%
$250,001	0.85%	0.85%

IRA Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.85%	0.85%
$50,001	0.90%	0.90%
$100,001	0.95%	0.95%
$250,001	1.00%	1.00%

IRA Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	0.90%	0.90%
$50,001	0.95%	0.95%
$100,001	1.00%	1.00%
$250,001	1.05%	1.06%

IRA Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	1.00%	1.00%
$50,001	1.05%	1.06%
$100,001	1.10%	1.11%
$250,001	1.15%	1.16%

Rates are applicable 01/20/2021 - 01/26/2021

*APY = Annual Percentage Yield. All rates are annualized and are subject to change without prior notice.

*APY = Annual Percentage Yield.

All rates are subject to change without prior notice. Rates are applicable to U.S. operations only.