Want to Make Your IRA InvestmentsWork Harder for You?All depository accounts at VLFCU are insured up to $750,000!*IRA Share/Savings AccountEasy access to your fundsIRA Money Market Plus AccountTiered to maximize earningsNo monthly feesIRA Share CertificatesMinimum deposit of only $500Variety of terms from 3 to 120 monthsHighly competitive rates24 MONTH TERM36 MONTH TERM2.60%13.00%APY"APYCALL OR STOP BY ONE OF OUR CONVENIENT SANDUSKY,HURON, NORWALK OR VERMILION BRANCHES TODAY!800.691.9299 WWW.VLFCU.ORGFederally Insured by NCUA.Federal Credit Union ESIURAN CHREINSURANCEMembership eligibility is required with a minimum deposit of $25.00 in a Share Account. Member must be in goodstanding with VLFCU. Money Market Plus Accounts earn dividends on balances of $2,000+. 1 "APY" AnnualPercentage Yield. *All depository accounts are insured up to $750,000. The first $250,000 of insurance is providedby NCUA's National Credit Union Share Insurance Fund. An additional $500,000 is made available through privateinsurance from Excess Share Insurance Company. Early withdrawal from Certificate/IRA Share Certificate will resultin penalty based upon initial term; required minimum distributions are not penalized. Rates effective as of2/1/2019. Subject to change or cancellation without notice.

Date: February 11, 2019

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Vacationland Federal Credit Union

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Want to Make Your IRA Investments Work Harder for You? All depository accounts at VLFCU are insured up to $750,000!* IRA Share/Savings Account Easy access to your funds IRA Money Market Plus Account Tiered to maximize earnings No monthly fees IRA Share Certificates Minimum deposit of only $500 Variety of terms from 3 to 120 months Highly competitive rates 24 MONTH TERM 36 MONTH TERM 2.60%13.00% APY" APY CALL OR STOP BY ONE OF OUR CONVENIENT SANDUSKY, HURON, NORWALK OR VERMILION BRANCHES TODAY! 800.691.9299 WWW.VLFCU.ORG Federally Insured by NCUA. Federal Credit Union ESIURAN CHRE INSURANCE Membership eligibility is required with a minimum deposit of $25.00 in a Share Account. Member must be in good standing with VLFCU. Money Market Plus Accounts earn dividends on balances of $2,000+. 1 "APY" Annual Percentage Yield. *All depository accounts are insured up to $750,000. The first $250,000 of insurance is provided by NCUA's National Credit Union Share Insurance Fund. An additional $500,000 is made available through private insurance from Excess Share Insurance Company. Early withdrawal from Certificate/IRA Share Certificate will result in penalty based upon initial term; required minimum distributions are not penalized. Rates effective as of 2/1/2019. Subject to change or cancellation without notice.

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