^{INSURED BY NCUA}

^*APY=Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Non AODFCU Domestic ATM fees incurred during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances over $20,000 receive APY of 1.75% to 0.25% depending on balance in account. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Monthly Qualification Cycle” is synchronous with your monthly statement cycle which is the first day of the month through the last day of the month. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Maintenance fees do not include fees for overdraft or non-sufficient funds. Consumers Only.

^**Kasasa Saver Account – AODFCU’s Kasasa Saver is a free account that pays a high rate and helps you save effortlessly. It links to a Kasasa Cash® or Kasasa Cash Back® checking account, automatically transferring those cash earnings and ATM withdrawal fee refunds to this interest-bearing account.