¹The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period.  Shield Checking account is a tiered rate account. If your average daily balance is $15,000.00 or below and you meet all of the following requirements, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply: 1) you complete at least 8 debit card transactions each statement period; and 2) maintain an average daily balance greater than $3,500.00. The second dividend rate and range of annual percentage yield listed for this account will apply to any balances above the initial $15,000.00. Each rate will apply only to that portion of the account balance within each balance range. For example: if you have a balance of $16,000.00, you will earn the first dividend rate on $15,000.00 and the second dividend rate on $1,000.00. If you do not meet the requirements to earn the premium dividend rate, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account.  Rates are subject to change without notice. There is a $5 per month service fee for Shield Checking account. Fees could reduce the earnings on the account.

²Other fees such as non-sufficient funds, overdraft, etc. may apply. 

³ Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. The Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Policyholder or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

⁴Calculated on the VantageScore® 3.0 model. Your VantageScore® 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore® 3.0.

⁵To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM transactions will be charged $2 per transaction.

⁶Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.