Share Account Rates

Rate information is accurate as of: June 1, 2013. Rates are subject to change without notice. Contact a Bangor Federal employee to request further information concerning the fees and terms applicable to the advertised accounts.

Savings, Checking and Club Accounts

Type	Min. Balance	Dividend Rate*	APY**	Min. Opening Deposit
Savings*	$25	.10%	.10%	$25
Clubs*	N/A	.10%	.10%	N/A
Checking*	N/A	N/A	N/A	$0

*Dividend rate and annual percentage yield may change at any time after the account is opened. Fees could reduce the earnings on the account.

**Annual Percentage Yield.

Money Market Accounts

Type	Min. Balance	Dividend Rate*	APY**	Min. Opening Deposit
Money Market*	$2,000 – $9,999	.15%	.15%	$2,000
	$10,000 – $24,999	.20%	.20%	-
	$25,000+	.25%	.25%	-

*Regular fees or other conditions could reduce the earnings on all of the above accounts. Dividend rates and annual percentage yields may change at any time after the account is open.

**Annual Percentage Yield.

Certificates

Term	Dividend Rate*	APY**	Min. Opening Deposit
3 mos.	.10%	.10%	$500
6 mos.	.20%	.20%	$500
1 Year	.30%	.30%	$500
18 mos.	.40%	.40%	$500
2 Year	.50%	.50%	$500
30 mos.	.60%	.60%	$500
3 Year	.80%	.80%	$500
4 Year	1.00%	1.00%	$500
5 Year	1.35%	1.36%	$500
1 Year Super Saver	.30%	.30%	$50

*Dividend rates for Certificates are guaranteed from time of purchase to maturity. A penalty will be imposed if funds are withdrawn prior to maturity on all Certificates. Fees could reduce the earnings on the account. View Account Limitations below for more information on penalties pertaining to early withdrawal of certificates.

**Annual Percentage Yield.

Jumbo Certificates

Term	Dividend Rate*	APY**	Min. Opening Deposit
3 mos.	.20%	.20%	$100,000
6 mos.	.30%	.30%	$100,000
1 Year	.40%	.40%	$100,000
18 mos.	.50%	.50%	$100,000
2 Year	.60%	.60%	$100,000
30 mos.	.70%	.70%	$100,000
3 Year	.90%	.90%	$100,000
4 Year	1.10%	1.10%	$100,000
5 Year	1.45%	1.46%	$100,000

*Dividend rates for Jumbo Certificates are guaranteed from time of purchase to maturity. A penalty will be imposed if funds are withdrawn prior to maturity on all Jumbo Certificates. Fees could reduce the earnings on the account. View Account Limitations below for more information on penalties pertaining to early withdrawal of certificates.

**Annual Percentage Yield.

Individual Retirement Accounts (IRAs)

Product/Term	Min. Balance	Dividend Rate*	APY**	Min. Opening Deposit
IRA Savings*	$25 – $9,999	.15%	.15%	$25
	$10,000 – $24,999	.20%	.20%	-
	$25,000+	.25%	.25%	-
2 Year*	N/A	.50%	.50%	$500
30 mos.*	N/A	.60%	.60%	$500
3 Year*	N/A	.80%	.80%	$500
4 Year*	N/A	1.00%	1.00%	$500
5 Year*	N/A	1.35%	1.36%	$500

*Dividend rates for IRA Certificates are guaranteed from time of purchase to maturity. A penalty will be imposed if funds are withdrawn prior to maturity on all IRA Certificates. Dividend rates and Annual Percentage Yields for IRA savings accounts may change at any time after the account is opened. Fees could reduce the earnings on the account.

**Annual Percentage Yield.

Health Savings Accounts

Type	Min. Balance	Dividend Rate*	APY*	Min. Opening Deposit
HSAs	N/A	.10%	.10%	$25

*Annual Percentage Yield. Dividend rate and annual percentage yield may change at any time after the account is opened. Fees could reduce the earnings on the account.

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all share accounts.

1.Rate Information. The Dividend Rate and Annual Percentage Yield on your accounts as of the last dividend declaration date are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for a 365-day period, or the term of the account. The dividend rate and annual percentage yield may change monthly for savings accounts, club accounts, IRA accounts, and money market accounts as determined by BFCU’s Board of Directors. For Share Certificates and IRA certificates, the dividend rate and annual percentage yield are fixed for the term of the account. The Annual Percentage Yield is based on an assumption the dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Fees imposed due to an overdraft created by checks, in person withdrawals, ATM withdrawals, or by other electronic means will reduce earnings on the account.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited monthly. For deposit accounts, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1st and the ending date of such dividend period is January 31st. All other dividend periods follow this same pattern of dates.

4. Balance Information. The minimum balance required to open each account and earn dividends is set forth above. Dividends and minimum balances are calculated by the Average Daily Balance method which adds the full amount of the principal in the account each day of the period, then divides that figure by the number of days in that period, and applies a periodic rate to the result.

5. Accrual of Dividends. Dividends will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations. For a Money Market account, no more than six transactions - preauthorized, automatic, electronic transfers, or by check may be made per month. For Money Markets, each withdrawal must be $500.00 or greater. Transactions bringing the Money Market below the minimum required balance will result in no dividends being paid to the account.

7. Schedule of fees for all accounts. Your account will be charged any and all applicable fees as noted in our Fee Schedule. Click here for a list of fees.

Account Limitations for Certificates. Your account will mature at the end of term as set forth above. The Credit Union will give the owner(s) at least 30 days notice prior to maturity. We may impose a substantial penalty, equal to 180 days’ dividends, on a Share Certificate or IRA Certificate if you withdraw any of the principal before maturity. The penalty for a Super Saver Certificate is equal to 180 days’ dividends plus a $10 fee. The penalty is calculated as a forfeiture of part of the dividends that have or would have been earned. If the account has not yet earned enough dividends, or if the dividends have already been paid, the penalty will be deducted from the principal. At our option, we may pay the account before maturity without penalty under the following circumstances: 1) An account owner dies or is determined incompetent by a court or other body of competent jurisdiction, 2) An IRA account is revoked within 7 days after establishment or the owner attains the age of 59½ or becomes disabled. Annual Percentage Yield assumes interest remains on deposit until maturity. Early withdrawal of interest will reduce earnings. Certificates renew automatically at date of maturity unless otherwise requested. There is no grace period.