*APY = Annual Percentage Yield. Variable interest rate. Interest rates and APY may change. For current rates call us at 586.263.8800, option 2 or visit our website at www.msgcu.org. Interest will begin to accrue on the business day you deposit funds into your account. For this account type, the interest period is compounded and calculated monthly, for example, the beginning date of the first period of the calendar year begins January 1, and the ending date of that period is January 31. All other interest periods follow that same pattern. The interest declaration date follows the ending date of an interest period, and in the example this would be January 31. If you close this account before interest is paid, you will not receive the accrued interest.

**For the Money Market Checking Account you must maintain a minimum average daily balance of $2,500 in your account to obtain the disclosed annual percentage yield for the corresponding tier. Interest is calculated using the average daily balance method, which totals the ending balances for each day of the interest period, divides the results by the total number of days in the interest period and uses the resulting average balance to calculate interest based on the balances and tiered rates.