|Penalty will be imposed for early
withdrawal. For time deposits with maturities of less than one year, the APY
assumes that funds will remain on deposit for a full year. Fees or withdrawals
could reduce earnings on accounts. APYs are accurate as of the last dividend
declaration period 05/21/2013. Disclosures are available upon request. Contact SFCU staff for more information about applicable fees and terms. Federally
insured by NCUA.