Minimum Balance	Interest Rate	Annual Percentage Yield
$1.00	0.19	0.20

Opening a savings account establishes your membership in Creighton Federal Credit Union. Members are eligible for all the services offered by the credit union and are authorized to elect the Board of Directors. Savings accounts earn a market rate of interest on the daily balance on deposit. In conjunction with regular payroll deductions, its easy to save money for Christmas, or other structured needs such as taxes, insurance premiums, tuition, or a down payment on a home, car, or other major purchases. Features Include:

• Minimum balance $5.00
• Three withdrawals per month
• Withdrawal's are easily made in person or, by check
• Eligable for direct deposit of payroll

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.

Member Identification Program
(Important information about opening a new account)
To help the government fight the funding of terrorism, money laundering, and other illegal activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, or is being added to an existing account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying document, and we will retain a copy of it.

Savings 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: Savings Accounts (Share Account): The Annual Percentage Yield for savings accounts is 0.20%. The Interest Rate for savings accounts is 0.19%. 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.