Rates

• No payments for 90 days

Other terms applicable

The minimum average daily balance required to earn the disclosed APY is as set forth above.

The minimum balance required to open and maintain the Traditional and Roth IRA Savings Account is $50.

The minimum balance required to open and maintain all other accounts is as set forth in the Account Agreement and Truth-In-Savings Disclosure.

For all Savings, IRA Savings and Money Market Accounts, dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and APY on such accounts are subject to change.

Savings Accounts: If your average daily balance is more than $500 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

For all Plus, dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and APY on such accounts are subject to change.  If your average daily balance is more than $2,500 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

Money Market Accounts: If your average daily balance is more than $2,499.99 but less than $10,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period. If your average daily balance is more than $9,999.99 but less than $50,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period. If your average daily balance is more than $49,999.99 but less than $100,000 the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.  If your average daily balance is $100,000 or more, the prospective Dividend Rate and prospective APY as set forth above will be paid on the entire account balance for the dividend period.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

The minimum balance required to open and maintain each Term Share (Certificate) Account is as set forth above. The minimum balance required to open and maintain each Term Share (Certificate) Account opened as a Traditional and Roth IRA is as set forth above. The minimum balance required to earn the disclosed APY for each Term Share (Certificate) Account is as set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven (7) calendar days and were accurate as of the last date as set forth above. Please call (310) 374-3436 to obtain current rate information for such accounts.

Dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. A substantial penalty may be imposed for early withdrawal.

The applicable Dividend Rate and APY as set forth above for each Term Share (Certificate) Account will be paid for the length of the term listed.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

The minimum balance required to open and maintain each Term Share (Certificate) Account is as set forth above. The minimum balance required to open and maintain each Term Share (Certificate) Account opened as a Traditional and Roth IRA is as set forth above. **For the 15 Month Term Share (Certificate) – Currently not offering; disclosed for indexing purposes only on existing accounts. Upon maturity of existing accounts, funds will automatically transfer to a 12 Month Term Share (Certificate) Account at the prevailing Dividend Rate and APY.

The minimum balance required to earn the disclosed APY for each Term Share (Certificate) Account is as set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven (7) calendar days and were accurate as of the last date as set forth above. Please call (310) 374-3436 to obtain current rate information for such accounts.

Dividends are paid from current and available earnings, after required transfers to reserves at the end of a dividend period. A substantial penalty may be imposed for early withdrawal.

The applicable Dividend Rate and APY as set forth above for each Term Share (Certificate) Account will be paid for the length of the term listed. **For the 15 Month Term Share (Certificate) Account (including Accounts opened as Traditional and Roth IRAs), the Accountholder may bump up the Dividend Rate and APY once during the term. To bump up the Dividend Rate and APY, the Accountholder must notify the Credit Union in writing. The bump up Dividend Rate and APY would be the disclosed Dividend Rate and APY in effect on the date the Credit Union receives the Accountholder’s written notification.

Fees and other conditions could reduce earnings on any of the listed accounts as set forth in the Credit Union’s Account Agreement and Truth-In-Savings Disclosure.

Term	Rate
30 yr	Fixed	Contact
20 yr	Fixed	Rosemarie
15 yr	Fixed	Valdez for
10 yr	Fixed	current rates
30 yr	ARM 10/1	Fixed and
30 yr 30 yr 30 yr	ARM 7/1 ARM 5/1 ARM	Variables

1 unit        $484,350.00
2 units     $620,200.00
3 units     $749,650.00
4 units     $931,600.00