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Does not earn dividends unless criteria is met.3 Additional terms and conditions listed in Simple Disclosures. Other restrictions may apply. 1Rates are subject to change. 2With Direct Deposit of $500+ per month or you make 6 electronic withdrawals each month, or you carry an average monthly balance of $500+ 3When you have 4 or more of the following products/services within the same member/account number: 10+ years membership, Consumer loans, VISA credit card, Aggregate deposits greater than or equal to $5000, Bill pay active for at least 90 days.