Business Deposit Account Rates

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Account Type	Minimum Opening Deposit & Minimum Balance Requirement	Monthly Service Charge	Minimum Daily Balance to Avoid Monthly Service Charge	Minimum Balance to Earn Dividends	Dividend Rates	Annual Percentage Yield	Balance Computation Method	Compounding and Crediting Frequency
Effective 6/1/2017
VyStar Credit Union Business Accounts and Rate Information
Business Savings²	$5 Membership Fee and $100 Deposit/Balance	None	None	$2,500 & greater	0.25%	0.25%	Daily Balance	Monthly/Monthly
Club Checking	None	None	None	$2,500 & greater	0.10%	0.10%	Daily Balance	Monthly/Monthly
Small Business Checking	None	None	None	$2,500 & greater	0.10%	0.10%	Daily Balance	Monthly/Monthly
Regular Business Checking	None	$12.50	$5,000 & greater	$5,000 & greater	0.10%	0.10%	Daily Balance	Monthly/Monthly
Business Volume Checking	None	$25.00	$15,000 & greater	None	None	None	None	None
Business Money Market Accounts²	None	None	None	Less than $2,500	0.31%	0.31%	Daily Balance	Daily/Monthly
Business Money Market Accounts²	None	None	None	$2,500 - $9,999.99	0.31%	0.31%	Daily Balance	Daily/Monthly
Business Money Market Accounts²	None	None	None	$10,000 - $24,999.99	0.36%	0.36%	Daily Balance	Daily/Monthly
Business Money Market Accounts²	None	None	None	$25,000 - $49,999.99	0.41%	0.41%	Daily Balance	Daily/Monthly
Business Money Market Accounts²	None	None	None	$50,000 - $99,999.99	0.46%	0.46%	Daily Balance	Daily/Monthly
Business Money Market Accounts²	None	None	None	$100,000 or greater	0.51%	0.51%	Daily Balance	Daily/Monthly
Certificates	See Certificates Rates information for more details.

The following apply to all of the above accounts, unless specifically stated.

1. SAVINGS AND CHECKING ACCOUNT RATE INFORMATION — 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 an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date. The rates for deposit accounts will be provided at the time of membership, at the time of opening a new deposit account, or at any time upon request.

2. ACCOUNT LIMITATIONS — For Savings and Money Market accounts, no more than six (6) preauthorized, automatic, Internet, or telephone transfers and withdrawals may be made from these accounts to another account of yours, to a third party, or by check, draft or access card in any statement cycle. If you exceed these limitations, your account may be subject to closure by the Credit Union. For IRA accounts, you may not make any withdrawal or transfers to another Credit Union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instructions, or similar order to a third party.

3. FEES AND CHARGES — Please refer to our separate Business Fee Schedule for all fees applicable to these accounts. Fees may reduce earnings.

Product offers, rates, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our web site which may be beyond our control, VyStar cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you on our calculators is estimated and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate. To verify current offers and rates, please call 777-6000 or 1-800-445-6289, ext. 9.