*APY = Annual Percentage Yield. Rates are valid as of April 1, 2010 and are subject to change at any time. Your qualified dividend rate is paid on balances from 1 cent to $50,000 when account requirements are met. Your above-cap dividend rate of 0.05% will be paid on balances of $50,000.01 and above when account requirements are met. U.S. ATM fee reimbursement and dividends will be paid on the last business day of the following month provided that the criteria of 12 VISA® debit and two Online Bill Pay transactions are met. Transactions must post during the business month. Fees may reduce earnings. Dividends are calculated daily and paid monthly. All checking accounts and VISA check card approvals must meet Harborstone Credit Union checking policies. If account requirements are not met, members will still receive free Harborstone ATM withdrawals and 10 free withdrawals per month elsewhere ($1 per withdrawal thereafter) and will earn a rate of 0.05% on their entire balance. Harborstone Credit Union will not be responsible for ATM surcharge fees charged by ATM owners. $25 minimum account balance required to maintain membership privileges.