Balance	Interest Rate	Annual Percentage Yield
$1.00 Minimum	0.24	0.25
$10,000 Minimum	0.49	0.50
$25,000 Minimum	0.74	0.75

For savers wanting the higher rate of return offered by certificates and the daily access and convenience of a checking account, Creighton Federal's money market reserve account is the answer. Features Include:

• Minimum balance of $1,000.00 with higher rates offered on larger balances
• Up to three withdrawals per month by either check, ATM or in person
• Eligable for direct deposit of payroll

FREE E-Statements
Receive your Creighton Federal monthly and quarterly statement electronically, via email file attachment. Enjoy the convenience of FREE E-Statements any place with an internet connection. You get:

1. Faster receipt - receive your E-statement up to one week faster than printed statements.
2. Printable - your E-statement can be printed if you need or want a hard copy.
3. On-line archive - we'll keep your statements for you. Your E-statement will be archived on our secure server and available on demand for up to six months. It's FREE.

A Creighton Federal E-Statement is our newest FREE service designed to make your life a little bit easier. To enroll, log into E-statement registration. Money Market accounts are variable rate accounts, therefore, rates may change after the account is open.

IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Savings Act and Regulation DD of the Federal Reserve Regulations. Regulation DD requires depository institutions to disclose the terms of deposit accounts to consumers. However, the terms described in this disclosure are subject to change at any time. DEPOSIT CONSUMER ACCOUNTS The following disclosures apply to deposit consumer accounts maturing in more than one month and that are automatically renewable:
Rate Information:
Money Market Reserve Accounts: The Annual Percentage Yield for Money Market Reserve Accounts are as follows: 0.25% for accounts of $1.00 to $9,999.99, 0.50% for accounts of $10,000.00 to $24,999.99 and 0.75% for accounts over $25,000.00. The Interest Rates for Money Market Reserve Accounts are as follows: 0.24% for accounts of $1.00 to $9,999.99, 0.49% for accounts of $10,000.00 to $24,999.99 and 0.74% for accounts over $25,000.00. The Annual Percentage Yield and the interest rate may change every dividend period. Changes to these yields and rates are within Creighton Federal Credit Union’s discretion.