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Savings & Checking

Savings Accounts10-01-2012
Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Service Fee Dividend Com- pounded and Credited Minimum Required Balance to Earn Dividends
Regular Savings 0.15% $5.00 $100.001 Monthly $100.00
Special Savings 0.15% $100.00 $100.00 Monthly $100.00
Christmas Club Savings 0.15% $100.00 $100.00 Monthly $100.00
Elite Saver Savings2 0.25% $100.00 $5000.00 Monthly $5,000.00
1The monthly service fee on regular savings accounts is waived if there is an active loan account or certificate account.
2Account available only to members who have an All Access Advantage or Liquid Assets checking account.

Checking Accounts10-01-2012
Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Service Fee Dividend Com- pounded and Credited Minimum Required Balance to Earn Dividends
Liquid Assets Checking 0.15% $2,500.00 $2,500.00 Monthly $2,500.00
All Access Advantage Checking 4.25%1 $50.00 NONE Monthly NONE1
1APY = Annual Percentage Yield. La Cap Checking (Share draft) Accounts are variable rate accounts. La Cap may change the dividend rate for your account as determined by the Credit Union Board of Directors. Dividends are posted and compounded monthly. No minimum balance required to maintain the account. Applicable fees and conditions could reduce the earnings on your account. Qualifications to earn dividends: - 25 or more non-ATM debit card transactions posted per month: - 4.25% APY on balances up to but not exceeding $5,000 - .15% APY on balances exceeding $5,000. If Qualification stated is not met: - .15% APY on entire balance.

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All Access Advantage Checking
You could be earning 4.25% APY* on the money in your checking account.