Savings and Investment Rates

Savings Accounts | Checking Accounts| Certificate and IRA Accounts | Truth in Savings Disclosures | Fee Schedule

Savings Accounts

Product Dividend / Interest Rate Annual Percentage Yield Dividends / Interest Compounded Dividends / Interest Credited Minimum Opening Balance Minimum Balance to Earn APY Monthly Service Fee Regular Shares 0.25% 0.25% Monthly Monthly $5.00 $5.00 $0.00 Dollar Dog / GO! Savings 0.50% 0.50% Monthly Monthly $5.00 $5.00 $0.00 Holiday & Tax 0.50% 0.50% Daily Monthly None $5.00 $0.00 IRA Savings 0.50% 0.50% Daily Monthly None $5.00 $0.00 Money Market 0.25% 0.25% Daily Monthly $2,500.00 $0.00 $0.00 0.35% 0.35% $2,500 0.40% 0.40% $10,000 0.50% 0.50% $25,000 0.60% 0.60% $50,000 0.70% 0.70% $100,000 Product Dividend / Interest Rate (first 6 months) Annual Percentage Yield (first 6 months) Combined APY (6 months at initial rate, 6 months at Money Market Rate) Minimum Balance to Earn APY Minimum Opening Balance Interest Compounded and Credited Monthly Service Fee Guaranteed Money Market 0.25% 0.25% 0.25% $0.00 $25,000 Compounded Daily, Credit Monthly $10.001 0.25% 0.25% 0.30% $2,500 0.25% 0.25% 0.33% $10,000 0.75% 0.75% 0.63% $25,000 0.75% 0.75% 0.68% $50,000 0.75% 0.75% 0.73% $100,000 1Service Fee waived if a $25,000 average daily balance is maintained. effective 11/01/09

Rewards Savings

Rates Interest Rate Annual Percentage Yield Interest Compounded & Credited Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Monthly Service Fee if Below Minimum Balance If all requirements2 are not met 0.25% 0.25% Monthly $0.01 $0.00 N/A $0.00 Tier 1 (if daily balance is $2,500 or less) 1.00% 1.00% Tier 2 (if daily balance is greater than $2,500) 0.25% (applies to portion of balance over $2,500) Ranges from 1.00% to 0.63% (depending on balance2) 2 To earn the Rewards Savings rate of 1.00% APY on balances up to and including $2,500, you must sign up for and receive e-Statements. Otherwise, you will earn 0.25% APY on the entire Rewards Savings balance. If your daily balance is greater than $2,500, your APY will range from 1.00% to 0.63% depending on the balance of your account. The APY range for Rate Tier 2 assumes a minimum balance of $2,500.01 and a maximum balance of $5,000.00. Limited to one account per membership effective 11/01/09

Rewards Checking Account

Rates Interest Rate Annual Percentage Yield Interest Compounded & Credited Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Monthly Service Fee if Below Minimum Balance If requirements3 are not met 0.10% 0.10% Monthly $20.00 $0.00 N/A $0.00 Tier 1 (if daily balance is $25,000 or less) 2.96% 3.00% Tier 2 (if daily balance is greater than $25,000) 0.25% (applies to portion of balance over $25,000) Ranges from 3.00% to 1.63% (depending on balance3) 3 To earn the Rewards Checking rate of 3.00% APY on balances up to and including $25,000, and 0.25% APY on balances over $25,000, you must meet the following requirements each Rewards cycle, which begins one day before the last day of each month: Twelve (12) debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the Rewards rates when all requirements are met, you will receive automatic refunds on ATM access fees, up to $25 maximum. If requirements are not met, you will earn 0.10% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $25,000, your APY will range from 3.00% to 1.63% depending on the balance of your account. The APY range for Rate Tier 2 assumes a minimum balance of $25,000.01 and a maximum balance of $50,000.00. Limited to two accounts per member, Business accounts are not eligible. effective 11/01/09

Other Checking Accounts

Product Interest Rate Annual Percentage Yield Interest Compounded & Credited Minimum Opening Balance Minimum Balance to Earn APY Minimum Balance to Avoid Service Fee Monthly Service Fee if Below Minimum Balance Free Checking N/A N/A N/A $20.00 N/A N/A N/A Interest Plus / Senior Plus Checking 0.50% 0.25% 0.50% 0.25% Monthly Monthly $20.00 $20.00 $25,000 $0.01 $10004 average daily balance $10004 average daily balance $8.00 per month4 $8.00 per month4 4 Service fee waived with direct deposit of $300 minimum per month or $1,000 average daily balance. 5 No interest paid on days balance falls below $1,000. effective 11/01/09

Certificate Accounts

Term Minimum Opening Balance / Minimum Balance to Earn APY Regular Certificates Rewards Certificates1 Interest Rate Annual Percentage Yield Interest Rate Annual Percentage Yield Regular and IRA Certificates 6 Month $500 0.80% 0.80% N/A N/A 12 Month $500 1.24% 1.25% N/A N/A 24 Month $500 1.73% 1.75% N/A N/A 36 Month $500 2.37% 2.40% 2.62% 2.65% 48 Month $500 2.37% 2.40% 2.62% 2.65% 60 Month $500 2.37% 2.40% 2.62% 2.65% Dollar Dog or GO! CD 6 Month $100 0.80% 0.80% N/A N/A 12 Month $100 1.24% 1.25% N/A N/A Add On IRA CD 6 Month None 0.75% 0.75% N/A N/A 12 Month 1.19% 1.20% N/A N/A 24 Month 1.69% 1.70% N/A N/A 36 Month 2.32% 2.35% 2.57% 2.60% 48 Month 2.32% 2.35% 2.57% 2.60% 60 Month 2.32% 2.35% 2.57% 2.60% All Certificates of Deposit - Fixed Rate, Interest Compounded Daily, Interest Credited Monthly 1Rewards Certificates: Earn Rewards CD APYs listed above if you meet the following qualifications: a new or existing Rewards Checking account OR have been a Rivermark member 10-years or longer. Valid on new and renewed CDs. Business accounts are not eligible. May not be combined with any other offer, including Mortgage Rewards. Upon maturity, Rewards CD automatically renews to "regular" CD rates in effect at the time of maturity for that term.   effective 11/01/09

This Credit Union is federally insured by the National Credit Union Administration.

This Rate Sheet describes certain conditions, rates and fees applicable to the Credit Union at this time. The Credit Union may offer other rates and amend the conditions or fees from time to time. All interest rates and yields are determined by us and are effective as of the date indicated above. For Certificate Accounts, there is a penalty for early withdrawal of principal. Each Account holder agrees to the terms stated in this Rate Sheet and acknowledges that it is part of the Truth in Savings Disclosures/Fee Schedule and the Membership & Account Agreement. This Credit Union is federally insured by the National Credit Union Administration.