SHARE RATES                                                           

Savings Accounts                    Annual Rate        APY*
   Regular/Kids Club/IRA Shares
     $5-2000 balance                        0.05                    0.05
     $2001-5000 balance                   0.05                    0.05
     $5001-10,000 balance                0.05                    0.05
     $10,001-20,000 balance             0.10                    0.10
     $20.001 and greater balance      0.10                    0.10

   Christmas Club/Vacation Club       0.05                    0.05

      *Annual Percentage Rate
      Rates effective 4/1/2014
      Rates subject to change without notice
     
Share Certificates                   Annual Rate        APY*
       6 months                                0.05                    0.05
      12 months                               0.10                    0.10
      24 months                               0.25                    0.25
      36 months                               0.45                    0.45

      *Annual Percentage Rate
      Early withdraw penalty
      Dividends paid monthly
      Rates Effective 4/1/2014
      Rates subject to change without notice

Your shares at City Trust FCU are insured up to at least $250,000.00 by the National Credit Union Administration. The NCUA is an independent agency of the US Government and is responsible for the management of the National Credit Union Share Insurance Fund (NCUSIF).