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LOAN RATES

All rates stated as Annual Percentage Rate (APR)

Auto Loans as low as 2.24%

Power Sport Vehicles as low as 3.24%

Calculators

Other Recreational Vehicles as low as 3.99%

Signature as low as 6.50%

Power Sport Vehicles as low as 3.24%

Overdraft Protection Line of Credit as low as 10.00%

Share or Certificate Secured Dividend Rate plus 2.00%

Visa Credit Card as low as 7.99%

Home Equity, Home Equity Line of Credit and Mortgages Available - Contact Jason

Savings Rates

This Truth-In-Savings (TIS) Rate and Fee Schedule for your Savings (Share) and Checking Accounts sets forth certain conditions, rates, fees, and charges applicable to your Primary Savings (Share) Account, your Secondary Savings (Share) Accounts including your Individual Retirement Account, your Share Certificate Accounts and your Checking (Share Draft) Accounts at Laramie Plains Community FCU as of the date set forth on top of this form. This Rate and Fee Schedule is incorporated as a part of your Account Agreement with Laramie Plains Community FCU. Additional Truth-In-Savings Disclosures are set forth in your new account packet. Fees could reduce the earnings on the account.

TRUTH-IN-SAVING / RATE SCHEDULE

TYPE OF ACCOUNT

PROSPECTIVE DIVDEND RATE

FOR PERIOD

PROSPECTIVE ANNUAL PERCENTAGE YIELD (APY)

MINIMUM AVERAGE DAILY BALANCE REQUIREMENTS

Primary Savings (share)

.10%

Nov 2016

.10%

$5.00

Secondary Savings, Cash for College

.10%

Nov 2016

.10%

N/A

The Compass,
Holiday Savings

.15%

Nov 2016

.15%

5.00- The Compass
25.00-Christmas

Ultimate Checking
$0-$15,000 Meets Req

2.75%

Nov 2016

2.75%

N/A

Ultimate Checking
Over $15,000 Meets Req.

.05%

Nov 2016

.05%

N/A

Ultimate Checking
Does not meet Req.

.05%

Nov 2016

.05%

N/A

Freedom Checking
$0-$5,000 Meets Req

2.75%

Nov 2016

2.75%

N/A

Freedom Checking
Over $5,000.01-$15,000 Meets Req.

3.00%

Nov 2016

3.00%

N/A

Freedom Checking
Does not meet Req.

.25%

Nov 2016

.25%

N/A

Health Savings Account

1.00% Nov 2016 1.00%  $100

Dividends on all savings will be compounded and credited Monthly. Dividend period-calendar Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors.

Money Market
$2500-$9,999

.10%

Nov 2016

.10%

$2500.00

Money Market
$10,000-24,999

.20%

Nov 2016

.20%

$2500.00

Money Market 
$25,000+

.25%

Nov 2016

.25%

$2500.00

Transaction limitations: Limit of withdrawals or transfers is six (6) in a calendar month. Dividends will be compounded and credited Monthly. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU Board of Directors.

Individual Retirement account (IRA)

1.00%

Sep 2016

1.00%

Minimum average daily
balance-$100.00

Dividends on IRA shares will be compounded and credited quarterly. Dividend period is a calendar quarterly. Also, certificates are available under the IRA program. The dividend rate and APY may change monthly as determined by the Laramie Plains Community FCU board of directors.

 SHARE CERTIFICATE ACCOUNTS

TERMS

DIVIDEND RATE

FOR PERIOD

ANNUAL PERCENTAGE YIELD (APY)

MINIMUM BALANCE REQUIREMENTS

3-MONTHS

.25%

N/A

.25% APY*

$500.00

6-MONTHS

.35%

N/A

.35% APY*

$500.00

12-MONTHS

.75%

N/A

.75% APY*

$500.00

18-MONTHS

.85%

N/A

.85% APY*

$500.00

24-MONTHS

1.00%

N/A

1.01% APY*

$500.00

36-MONTHS

1.25%

N/A

1.26% APY*

$500.00

48-MONTHS

1.45%

N/A

1.46% APY*

$500.00

60-MONTHS

1.85%

N/A

1.86% APY*

$500.00

Dividends compounded and credited the last day of the month and at maturity. Option for dividend payment designation upon certificate opening. 90 days of dividends for 3, 6 & 12 month, 180 days of dividends for 18, 24, 36, 48 & 60-month share certificates will be assessed when funds are withdrawn prior to maturity. * Annual percentages yield Declaration dates: Regular shares dividends effective 9/2016. Share certificates dividends effective 9/2016.