Share Savings and Checking

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0 height="100%"><tr> <td valign="top" width=170 BGCOLOR="#000099" TEXT="#F7F7FF" background="047aac00erkqpg.gif"> <bR> <div> <B>3515 3rd St. N.</B></div> <div> <B>Box 808</B></div> <div> <B>St. Cloud, MN 56302</B></div> <bR> <div> <B>Ph: 320 255 8687</B></div> <div> <B>Fax: 320 255 8699</B></div> </td> <td valign="top" BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <FONT SIZE="5" COLOR="#000066" FACE="Arial" ><B>Energy Services Federal Credit Union</B></FONT>     |     <A HREF="index.htm" TARGET="_top" TITLE="Energy Services Federal Credit Union"><U>home</U></A></div> <div> <B>Share Savings and Checking</B><B>   |   </B><A HREF="id24.htm" TARGET="_top" TITLE="Loans"><U>Loans</U></A><B>   |   </B><A HREF="id19.htm" TARGET="_top" TITLE="Location"><U>Location</U></A><B>   |   </B><A HREF="id28.htm" TARGET="_top" TITLE="Privacy Policy"><U>Privacy Policy</U></A></div> <div> <I>Share Savings and Checking</I></div> <div>    <B> </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><B> </B></FONT><FONT SIZE="2" COLOR="#660099" FACE="Arial" ><B>Home Banking Available to all members ~</B></FONT></div> <bR> <div> <B>                      </B><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B> click on </B></FONT><B> </B><FONT SIZE="5" COLOR="#660099" FACE="Arial" ><A HREF="https://www.cusa-hfs.com/hfs/svc/energysfcu" TARGET="_top" TITLE="https://www.cusa-hfs.com/hfs/svc/energys"><U><B>  </B></U></A></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><A HREF="https://www.cusa-hfs.com/hfs/svc/energysfcu" TARGET="_top" TITLE="https://www.cusa-hfs.com/hfs/svc/energys"><U><B>HOME FINANCIAL SERVICES</B></U></A><A HREF="https://www.cusa-hfs.com/hfs/svc/energysfcu" TARGET="_top" TITLE="https://www.cusa-hfs.com/hfs/svc/energys"><U><B>®</B></U></A></FONT></div> <bR> <div> <B>Check your savings or loan balance, or transfer</B><B> </B><B>from saving</B><B>s to loans.</B></div> <div> <FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>Share Accounts:</B></FONT> dividends to be paid for September:<B> .80%   APY* .80%  </B></div> <div> <B>  </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" >*</FONT>Annual percentage yield on amounts below $4,999.99 and<FONT SIZE="2" COLOR="#FF0033" FACE="Arial" > </FONT><FONT SIZE="3" COLOR="#FF0000" FACE="Arial" >1.11% Apy* </FONT> on any amount over $5000.00.</div> <div> To establish membership, one must open and maintain a share savings account with a minimum balance of $25.00.   <FONT SIZE="2" COLOR="#000000" FACE="Arial" > </FONT></div> <bR> <bR> <div> <B>Checking Accounts: </B><FONT SIZE="2" COLOR="#000000" FACE="Arial" > </FONT></div> <div> Are available to qualified members.  Upon opening a checking account, the Credit Union provides you with a free box of checks after your first order.  There is no minimum balance required.  For more information, please contact the Credit Union<FONT SIZE="2" COLOR="#000000" FACE="Arial" >.</FONT></div> <bR> <div> <B>Debit Cards:</B><FONT SIZE="2" COLOR="#000000" FACE="Arial" > Available with our checking accounts </FONT></div> <bR> <div> <B>Certificates of Deposit****</B> </div> <div> Certificates of Deposits are available at the Credit Union. <FONT SIZE="1" COLOR="#000000" FACE="Arial" >$2500.00 minimum balance unless otherwise stated.</FONT></div> <div> <FONT SIZE="3" COLOR="#000000" FACE="Arial" >  </FONT><FONT SIZE="3" COLOR="#111111" FACE="Arial" > </FONT> 6 month <B>3.15</B><B>%</B><B>*</B> APY<FONT SIZE="3" COLOR="#111111" FACE="Arial" > </FONT></div> <div> <FONT SIZE="3" COLOR="#111111" FACE="Arial" >  </FONT>  9 month <B>3.20%*</B> APY</div> <div> <FONT SIZE="3" COLOR="#111111" FACE="Arial" >  </FONT>12 month <B>3.25</B><B>%</B><B>*</B><B> </B>APY<FONT SIZE="1" COLOR="#111111" FACE="Arial" >   </FONT></div> <div> <FONT SIZE="1" COLOR="#111111" FACE="Arial" >  </FONT>24 <FONT SIZE="1" COLOR="#111111" FACE="Arial" >MONTH</FONT> <FONT SIZE="2" COLOR="#111111" FACE="Arial" ><B>3.35</B></FONT><FONT SIZE="4" COLOR="#111111" FACE="Arial" ><B>%</B>*</FONT> <FONT SIZE="2" COLOR="#111111" FACE="Arial" >APY</FONT><FONT SIZE="1" COLOR="#111111" FACE="Arial" >  </FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" > </FONT><FONT SIZE="3" COLOR="#000000" FACE="Arial" > </FONT></div> <div>  <FONT SIZE="3" COLOR="#000000" FACE="Arial" >18</FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" > MONTH </FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>3.82</B>%*</FONT>APY   $<FONT SIZE="1" COLOR="#111111" FACE="Arial" >75,000.00 minimum</FONT><FONT SIZE="1" COLOR="#111111" FACE="Arial" > </FONT></div> <div> *****<FONT SIZE="1" COLOR="#000000" FACE="Arial" >we reserve the right to change rates at any time       *APY = Annual Percentage Yield</FONT></div> <div> <FONT SIZE="4" COLOR="#660099" FACE="Arial" ><B> </B></FONT><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B>Certificate Plus</B></FONT><FONT SIZE="4" COLOR="#660099" FACE="Arial" ><B>-</B></FONT><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B> </B></FONT><B>15</B><B> Months </B><B>3.30% *</B><B>APY</B><FONT SIZE="3" COLOR="#660099" FACE="Arial" ><B> </B><B> -</B></FONT><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B>AND</B></FONT></div> <div> <B>     </B><FONT SIZE="2" COLOR="#660099" FACE="Arial" ><B>you can upgrade your rate once during the term of the certificate.</B></FONT></div> <bR> <div> CERTIFICATE OF DEPOSIT RATES MAY CHANGE DAILY.  FOR THE MOST CURRENT INFORMATION  PLEASE CONTACT US AT 320-255-8687.         $2500.00 MINIMUM BALANCE unless otherwise indicated</div> <div>  6,  9, 11, AND  12 MONTH CERTIFICATES HAVE A 3  MONTH INTEREST PENALTY FOR EARLY WITHDRAWAL</div> <div> 15, 18,  & 24 MONTH CERTIFICATE HAS A 6 MONTH INTEREST PENALTY FOR EARLY WITHDRAWAL.</div> <bR> <div> <B> </B><FONT SIZE="4" COLOR="#000000" FACE="Arial" ><B><IMG SRC="07a531a0.gif" border=0 width="83" height="26" ALT="Bitmap Image" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"> </B></FONT><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B>Your savings Federally insured to at least $100,000 and backed by the full  faith and credit of the United States Government.        NATIONAL CREDIT UNION ADMINISTRATION, a U.S. Government Agency  </B></FONT></div> <bR> </td> </tr></table></body>