This rate schedule states rates applicable to specified accounts and is incorporated as a part of your account agreement with FPCU. For all accounts shown, the Dividend Rate and Annual Percentage Yield (APY) may change every quarter as determined by the Credit Union's Board of Directors. For purpose of this disclosure, the dividend rate and annual percentage yields stated for the term share accounts were offered within the most recent seven calendar days and were accurate as of 1/18/2019. Fees could reduce earnings on the account. Please call to obtain current rate information.