savings rates
  saviNGS DIVIDEND RATES AS OF FEBRUARY 1, 2012
 Share Type  Dividend Rate  APY*
  Regular Shares 0.10% 0.10%
  I.R.A. Shares 0.25% 0.25%
  Christmas Club 0.10% 0.10%
  Vacation Club 0.10% 0.10%
* APY (Annual Percentage Yield)
Dividends are calculated based on the balance at the end of the business day. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed, Dividend rates are subject to change quarterly.
  MONEY MARKET DIVIDEND RATES AS OF FEBRUARY 1, 2012
 AVERAGE BALANCE RANGE  Dividend Rate  APY**
  $ 1,000 to $ 9,999.99 0.15% 0.15%
  $ 10,000 to $ 24,999.99 0.20% 0.20%
  $ 25,000 to $ 49,999.99 0.25% 0.25%
  $ 50,000 to $ 74,999.99 0.30% 0.30%
  $ 75,000 and up 0.35% 0.35%
** APY (Annual Percentage Yield)
Dividends are calculated based on the average daily balance during the dividend period. Dividends are based on the Credit Union's earnings at the end of a dividend period and cannot be guaranteed, Dividend rates are subject to change quarterly.
  CERTIFICATES OF DEPOSIT / IRA CERTIFICATES***
        RATES AS OF FEBRUARY 1, 2012
 Issue Amount  Dividend Rate  APY*  Terms
  $ 1,000 and UP .35% .35% 6 month, earnings paid at maturity
  $ 1,000 and UP .50% .50% 12 month, earnings paid at maturity
  $ 1,000 and UP .65% .65% 24 month, earnings paid at maturity
  $ 1,000 and UP .65% .65% 36 month, earnings paid quarterly
  $ 1,000 and UP .65% .65% 60 month, earnings paid at maturity
       
NOTE:  Members that have an active Checking/VISA, + .25%

CERTIFICATE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
*** IRA Certificates are available for a minimum term of one (1) year


Your savings are insured to at least $250,000 Equal Housing Lender America's Credit Unions
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