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	0.35%	0.35%
$25,000 - $74,999.99	0.40%	0.40%
$75,000 and above	0.45%	0.45%

Rates effective 09/01/2022 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 09/01/2022 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	0.50%	0.50%
$25,000 - $74,999.99	0.60%	0.60%
$75,000 and above	0.70%	0.70%

Rates effective 09/01/2022 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	1.75%	1.76%
$50,001	1.75%	1.76%
$100,001	1.80%	1.81%
$250,001	1.80%	1.81%

Share Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.20%	2.22%
$50,001	2.20%	2.22%
$100,001	2.25%	2.27%
$250,001	2.25%	2.27%

Share Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.45%	2.48%
$50,001	2.45%	2.48%
$100,001	2.50%	2.53%
$250,001	2.50%	2.53%

Share Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.55%	2.58%
$50,001	2.55%	2.58%
$100,001	2.60%	2.63%
$250,001	2.60%	2.63%

Share Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.70%	2.73%
$50,001	2.70%	2.73%
$100,001	2.75%	2.78%
$250,001	2.75%	2.78%

Share Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.80%	2.84%
$50,001	2.80%	2.84%
$100,001	2.85%	2.89%
$250,001	2.85%	2.89%

Rates are applicable 09/21/2022 - 09/27/2022

*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	1.85%	1.87%
$50,001	1.85%	1.87%
$100,001	1.90%	1.92%
$250,001	1.90%	1.92%

IRA Certificates (1 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.30%	2.32%
$50,001	2.30%	2.32%
$100,001	2.35%	2.38%
$250,001	2.35%	2.38%

IRA Certificates (2 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.55%	2.58%
$50,001	2.55%	2.58%
$100,001	2.60%	2.63%
$250,001	2.60%	2.63%

IRA Certificates (3 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.65%	2.68%
$50,001	2.65%	2.68%
$100,001	2.70%	2.73%
$250,001	2.70%	2.73%

IRA Certificates (4 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.80%	2.84%
$50,001	2.80%	2.84%
$100,001	2.85%	2.89%
$250,001	2.85%	2.89%

IRA Certificates (5 year)
Minimum Deposit	Dividend Rate	APY*
$1,000	2.90%	2.94%
$50,001	2.90%	2.94%
$100,001	2.95%	2.99%
$250,001	2.95%	2.99%

Rates are applicable 09/21/2022 - 09/27/2022

*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.