Waterfront Federal Credit Union

Effective August 1, 2023

Share & Checking Accounts
Account Type	Minimum	Dividend Rate	APY as high as*
Regular Share Account	$5.00	0.05%	0.05%
Visa Pledge Account	$5.00	0.01%	0.01%
Share Draft Account	$500.00	0.02%	0.02%
IRA Shares	$50.00	0.05%	0.05%
Set-it & Forget-it Savings Account	$5.00	0.10%	0.10%
High-Yield Savings Account^**	$5,000	2.50% - 4.00%	4.07%

Share Certificates
Term	Min Bal	Dividend Rate	APY as high as*¹
30 Day	$500	0.50%	0.50%
6-Month Special	$1,000	4.50%	4.59%
12-Month Special	$2,500	5.25%	5.37%
180 Day	$500	1.00%	1.00%
1 Year	$500	1.50%	1.50%
2 Year	$500	1.75%	1.75%
3 Year	$500	2.00%	2.00%
5 Year	$500	2.50%	2.50%

IRA Share Certificates
Term	Min Bal	Dividend Rate	APY as high as^*1
1 Year	$500	1.50%	1.50%
2 Year	$500	1.75%	1.75%
3 Year	$500	2.00%	2.00%
5 Year	$500	2.50%	2.50%

^*APY = Annual Percentage Yield. All rates and yields are subject to change without notice. Fees charged could reduce the earnings on the account. Some restrictions may apply. Contact the Credit Union for further details and disclosures pertaining to each type of deposit/share product.

**APY = Annual Percentage Yield. High-Yield Savings Account qualifications include a $5,000 minimum balance, active online banking, enrollment in eStatements, & direct deposit. APY is tiered based on account balance: Balances $5,000 - $20,000 will accrue at 3.00% APY, balances $20,001 - $50,000 will accrue at 3.50% APY, balances $50,001 - $100,000 will accrue at 4.00% APY, and funds over $100,000 will accrue at 2.50% APY. Other rates available based on amount deposited. Rates are subject to change at any time without notice. Membership eligibility required. Federally insured by NCUA. See credit union for full details. **New Money Bonus: $100 bonus given for balances $25,000-$49,999, $200 bonus given for balances $50,000 - $99,999, and $400 bonus given for balances $100,000+. Limit one bonus per member. Funds must be new money and on deposit for 6-months to qualify for one-time bonus payment This limited-time offer is subject to change at any time without notice.

1 Share Certificates earn and are paid dividends on a monthly basis. A penalty may be imposed for early withdrawal. The annual percentage yield is based on the assumption that the dividends will remain in the account until maturity. A withdrawal will reduce earnings.