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SHARES
ANNUAL PERCENTAGE YIELDS are effective for the month of January, 2009

These rates may change on a monthly basis. Any fees incurred may reduce earnings.

We are constantly striving to maintain competitive rates. Please let us know if you find a rate higher than what we are offering on Term Shares (Certificates of Deposit). We may be able to match it.

REGULAR SHARES

Balance of      Annual Dividend Rate   Annual Percentage Yield  (APY) 

$10.00 - $5,009.99 .25% .25%

$5,010.00 - $10,009.99 .50% .50%

$10,010.00 or more .75% .75%
A $10 minimum deposit required to open the account & to obtain the stated APY. 
A minimum of $10 is required to maintain your share account.  $50  is required to be maintained after the account has been established for 90 days.
Dividends are calculated daily and paid quarterly

CHECKING ACCOUNTS
A minimum balance of $50 must be maintained in another share account
Currently no dividends are paid on checking accounts

DAILY SHARES, VACATION, ESCROW AND CHRISTMAS CLUB
.25% Annual Dividend Rate, .25% Annual Percentage Yield
Dividends are calculated daily and paid quarterly

IRA/ROTH DAILY SAVINGS Individual Retirement Accounts)
.50% Annual Dividend Rate for balances below $1,000, .50% Annual Percentage Yield; 1.00% Annual Dividend Rate for balances $1,000 and over, 1.00% Annual Percentage Yield.
Dividends are calculated daily and paid quarterly

FLEXIBLE MONEY FUND
Balance Of             Annual Dividend Rate         Annual Percentage Yield

$ 1,000 - 2,499		 .25%                    .25% 
2,500 - 19,999 .75% .75%
20,000 - 49,999 1.00% 1.00%
50,000 - 99,999 1.25% 1.25%
100,000 & over 1.50% 1.50%
Dividends are calculated daily, paid quarterly.
Balances below $1,000.00 do not earn dividends.

TERM SHARE AND IRA TERM ACCOUNTS

Term   		Annual Rate   		*APY	**APY   	Dividends Paid 
MAY BE AS HIGH AS
3 Months 1.60% 1.60% 2.60% At maturity


6 Months 1.85% 1.85% 2.85% At maturity


12 Months 2.05% 2.06% 3.08% Quarterly & maturity

18 Months 2.15% 2.16% 3.18% Quarterly & maturity 
24 Months 2.25% 2.26% 3.28% Quarterly & maturity


36 Months 2.45% 2.47% 3.49% Quarterly & maturity


42 Months 2.70% 2.72% 3.75% Quarterly & maturity

5 Years 2.90% 2.93% 3.95% Quarterly & maturity

6 Years 3.65% 3.69% 4.73% Quarterly & maturity

10 Years 3.90% 3.95% 4.99% Quarterly & maturity


ANNUAL PERCENTAGE YIELDS are in effect for new certificates issued during the week of 1/6/2009
through 1/12/2009.

All Term Shares have a minimum balance of $500 for adult members 18 years or older.  Children under the age of 18 have a minimum deposit of $100.

**Preferred rates are available based on services used which include RS/DS, FMF, IRA, SD, MM/ATM, HOP (Handi On-line Pay), E-Statement, DIRECT DEPOSIT, AUTO LOAN, HOME EQUITY LOAN, MORTGAGE LOAN, RV LOAN, BOAT LOAN, LINE OF CREDIT, or VISA.

1.00% maximum preferred rate
Certificates issued for $100,000 or more will earn .25% above the rates listed for terms of 1 year or longer. 
A penalty may be imposed for early withdrawal.
These rates are also effective for IRA Term Shares.

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This Credit Union is federally insured by the National Credit Union Administration.

 © Sterling-Van Dyke Credit Union.