Share Certificate (Certificate)

1 Share Certificate (Certificate). Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY = Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Share Certificate dividends are earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal. Rates effective as of 11/01/2025.  

2 Saver Certificate. 2.75% APY.  APY = Annual Percentage Yield is accurate as of 9/24/2025 and is subject to change at any time. Funds can be contributed to this Certificate throughout the initial term of the Certificate. A penalty will be imposed for early withdrawal. Fees could reduce earnings. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates. 

3 High Interest Savings. First Tier: 5.00% APY from $1.00 – $2,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $2,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 11/01/2025, unless otherwise noted, and assumes dividends are reinvested and rate continues for a year. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $2,500 will earn first tier APY when ‘Qualifications for cash back’ are met. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied at the end of the statement period. Due to compounding, dividends earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $2,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit account; 15 posted point-of-sale debit card transactions per month to a single checking account; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking- account. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.

4 Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Free Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account. Cash back will be deposited into the Chiefs Checking or Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 6/16/2025 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage checking accounts. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account. Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.