Deposit Rates Bay Federal Credit Union

Deposit Rates

Interest Checking
Savings (Share) Accounts
Money Market Accounts
Individual Retirement Accounts (IRA Shares)
Certificates

As of May 24, 2013

Interest Checking
Daily Balance	Rate	Annual Percentage Yield
$2,500-9,999	0.01 %	0.01 %
$10,000—24,999	0.01 %	0.01 %
$25,000—99,999	0.01 %	0.01 %
$100,000 +	0.01 %	0.01 %

Required minimum balance: $100 to open the account, $2,500 daily balance to
earn dividends and to avoid monthly $15 service charge.

Savings Accounts
Daily Balance	Rate	Annual Percentage Yield
$100—2,499	0.01 %	0.01 %
$2,500—9,999	0.01 %	0.01 %
$10,000—24,999	0.01 %	0.01 %
$25,000 +	0.01 %	0.01 %

Required minimum balance: $5 to open the account, $100 daily balance to earn dividends. For BayBuddies and Youth accounts, $5 daily balance to earn dividends.

Titanium Savings Accounts
Daily Balance	Rate	Annual Percentage Yield
$100—24,999	0.01 %	0.01 %
$25,000—49,999	0.02 %	0.02 %
$50,000—99,999	0.02 %	0.02 %
$100,000 +	0.02 %	0.02 %

Required minimum balance: $25,000 to open the account, $100 daily balance to
earn dividends, $300 daily balance to avoid monthly $10 service charge.

Money Market Accounts
Daily Balance	Rate	Annual Percentage Yield
$2,500—9,999	0.01 %	0.01 %
$10,000—24,999	0.01 %	0.01 %
$25,000—49,999	0.02 %	0.02 %
$50,000—74,999	0.02 %	0.02 %
$75,000 +	0.02 %	0.02 %

Required minimum balance: $1,500 to open the account, $2,500 daily balance to
earn dividends, $1,500 daily balance to avoid monthly $10 service charge.

Individual Retirement Accounts (IRAs)
Daily Balance	Rate	Annual Percentage Yield
$100 +	0.01 %	0.01 %

Required minimum balance: $100 to open the account. $100 daily balance to earn dividends. Annual custodial fee may apply.

Certificates and IRA Certificates
$1,000—$9,999 Certificates
Term	Rate	Annual Percentage Yield
2 Months	0.02 %	0.02 %
3 Months	0.03 %	0.03 %
6 Months	0.04 %	0.04 %
1 Year	0.05 %	0.05 %
18 Months	0.05 %	0.05 %
2 Years	0.15 %	0.15 %
3 Years	0.25 %	0.25 %
4 Years	0.30 %	0.30 %
5 Years	0.50 %	0.50 %

$10,000 + Certificates
Term	Rate	Annual Percentage Yield
2 Months	0.02 %	0.02 %
3 Months	0.03 %	0.03 %
6 Months	0.04 %	0.04 %
1 Year	0.05 %	0.05 %
18 Months	0.05 %	0.05 %
2 Years	0.15 %	0.15 %
3 Years	0.25 %	0.25 %
4 Years	0.30 %	0.30 %
5 Years	0.50 %	0.50 %

Certificate Accounts are also available as Individual Retirement Accounts. Annual custodial fees may apply to IRA Certificates.

NOTE: For all accounts except Certificates, dividends are paid from current and available earnings after required transfers to reserves at the end of the dividend period. Fees or other conditions could reduce earnings on any of the accounts listed. For all Checking, Savings, Money Market Savings, and IRAs, the prospective Rate and prospective Annual Percentage Yield (APY) are set forth above. The Rate and APY on Savings and IRA Accounts may change monthly as determined byt the Board of Directors. The Rate and APY on Money Market Savings, Titanium Savings, and Certificate Accounts may change daily. The Rate and APY for each Certificate Account is set forth above. When a Certificate Account is opened, the Rate and APY that is applicable on the day the Account is opened will be paid for the length of the Account term. A substantial penalty may be imposed for early withdrawal from any Certificate Account.

For purposes of this disclosure, the Rate and APY were accurate as of the effective date listed above.

Please call 831.479.6000 or 888.4BAYFED to obtain current rate information.

Current Fee Schedule

Contact Bay Federal: 831.479.6000

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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