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.

Kasasa Saver Account
Account Balance	Dividend Rate	APY*
Qualifying ($0.01-$10,000)	0.50%	0.50%
Qualifying ($10,000.01 and above)	0.25%	0.25%
Non-Qualifying (all funds)	0.05%	0.05%

Money Market
Account Balance	Dividend Rate	APY*
$2,500 - $24,999.99	0.50%	0.50%
$25,000 - $74,999.99	0.55%	0.55%
$75,000 and above	0.60%	0.60%

Rates effective 8/1/19 and are subject to change without notice.

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

Kasasa 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*
Kasasa Cash Back Checking Account	-	-
Shared Draft Checking Account	0.05%	0.05%

Rates effective 8/1/19 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	0.65%	0.65%
$25,000 - $74,999.99	0.75%	0.75%
$75,000 and above	0.85%	0.85%

Rates effective 8/1/19 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	1.45%	1.46%
$25,001	1.50%	1.51%
$75,001	1.55%	1.56%
$125,001	1.60%	1.61%

Share Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.00%	2.02%
$25,001	2.10%	2.12%
$75,001	2.15%	2.17%
$125,001	2.20%	2.22%

Share Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.20%	2.22%
$25,001	2.25%	2.27%
$75,001	2.30%	2.32%
$125,001	2.35%	2.38%

Share Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.25%	2.27%
$25,001	2.30%	2.32%
$75,001	2.35%	2.38%
$125,001	2.40%	2.43%

Share Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.40%	2.43%
$25,001	2.45%	2.48%
$75,001	2.50%	2.53%
$125,001	2.55%	2.58%

Share Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.55%	2.58%
$25,001	2.65%	2.68%
$75,001	2.70%	2.73%
$125,001	2.75%	2.78%

Rates are applicable 9/11/2019-9/17/2019

*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	1.55%	1.56%
$25,001	1.60%	1.61%
$75,001	1.65%	1.66%
$125,001	1.70%	1.71%

IRA Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.10%	2.12%
$25,001	2.20%	2.22%
$75,001	2.25%	2.27%
$125,001	2.30%	2.32%

IRA Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.30%	2.32%
$25,001	2.35%	2.38%
$75,001	2.40%	2.43%
$125,001	2.45%	2.48%

IRA Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.35%	2.38%
$25,001	2.40%	2.43%
$75,001	2.45%	2.48%
$125,001	2.50%	2.53%

IRA Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.50%	2.53%
$25,001	2.55%	2.58%
$75,001	2.60%	2.63%
$125,001	2.65%	2.68%

IRA Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.65%	2.68%
$25,001	2.75%	2.78%
$75,001	2.80%	2.84%
$125,001	2.85%	2.89%

Rates are applicable 9/11/2019-9/17/2019

*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.