CD Type	APY**	Div Rate*	Min.	Details
			Minimum Investment	Description
$500 - $99,999
11 Months	3.30%	3.25%	$500	Good for funds already at FCU and new funds.
21 Months	3.40%	3.35%	$500	Good for funds already at FCU and new funds.
$100,000 - $149,000
11 Months	3.40%	3.35%	$100,000	Good for funds already at FCU and new funds.
21 Months	3.50%	3.44%	$100,000	Good for funds already at FCU and new funds.
$150,000 - $249,999
11 Months	3.60%	3.54%	$150,000	Good for funds already at FCU and new funds.
21 Months	3.70%	3.64%	$150,000	Good for funds already at FCU and new funds.
$250,000 - and up
11 Months	4.00%	3.93%	$250,000	Good for funds already at FCU and new funds.
21 Months	4.10%	4.02%	$250,000	Good for funds already at FCU and new funds.
Livestock CD Special
8 Months	****5.00%	4.89%		For funds new to FCU only. Must use proceeds of livestock sale to open CD.

**APY = Annual Percentage Yield. Contact us for more information. Requires $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. VIP=Value In Participation: VIP Gold or Platinum members get 1/4% monthly interest bonus on CD's & certain loans that have taken out since Sept. 2003. Birthday cards do not qualify to take advantage of CD specials, which include odd termed CD offers under the CD SPECIALS title. Fees may reduce earnings on the account. ***13 Month Chesaning Branch CD Special: CD must be opened at the FCU Chesaning Branch location to receive special rate. Must be funds new to FCU. ****Only for funds youth get who sold livestock at county fairs. Must be new to FCU $ with check coming from - Saginaw: Saginaw County Fair / Genesee: Treasurer of Genesee County Fair / Tuscola: Marlette Livestock or Tuscola Small Livestock / Huron: United Producers or Huron Fair Board / Bay: Bay County Fair & Youth Expo / Midland: MSU / Ogemaw County: Ogemaw County Fair / Sanilac: Marlette Livestock / Shiawassee: Shiawasee County Fair / Lapeer: Eastern Michigan State Fair.

Effective Date: November 6, 2026

Term	APY**	Div Rate*
$500 - $99,999 Term
3 Months	2.80%	2.76%
6 Months	2.85%	2.81%
9 Months	3.00%	2.96%
12 Months	3.10%	3.06%
18 Months	3.14%	3.10%
24 Months	3.20%	3.15%
30 Months	3.30%	3.25%
36 Months	3.35%	3.30%
48 Months	3.40%	3.35%
60 Months	3.55%	3.49%
$100,000 - $149,000 Term
3 Months	2.85%	2.81%
6 Months	2.90%	2.86%
9 Months	3.05%	3.01%
12 Months	3.15%	3.10%
18 Months	3.20%	3.15%
24 Months	3.25%	3.20%
30 Months	3.35%	3.30%
36 Months	3.40%	3.35%
48 Months	3.45%	3.40%
60 Months	3.60%	3.54%
$150,000 - $249,000 Term
3 Months	2.90%	2.86%
6 Months	2.95%	2.91%
9 Months	3.10%	3.06%
12 Months	3.20%	3.15%
18 Months	3.25%	3.20%
24 Months	3.31%	3.26%
30 Months	3.40%	3.35%
36 Months	3.45%	3.40%
48 Months	3.50%	3.44%
60 Months	3.65%	3.59%
$250,000 and up Term
3 Months	2.95%	2.91%
6 Months	3.00%	2.96%
9 Months	3.15%	3.10%
12 Months	3.25%	3.20%
18 Months	3.31%	3.26%
24 Months	3.35%	3.30%
30 Months	3.45%	3.40%
36 Months	3.50%	3.44%
48 Months	3.55%	3.49%
60 Months	3.70%	3.54%

*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Fees may reduce earnings on the account. Contact us for more information.

Effective Date: November 6, 2026

All-In Saver Rates

Min.	APY**	Div Rate*
$100	1.00%	0.99%

**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Fees may reduce earnings on the account. Federally insured by NCUA. Contact us for information about fees and terms that may apply.

Effective Date: November 6, 2026

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