Rates

Share & Certificate Rates

Type of Account	Annual Percentage Yield	Dividend Rate
IRA - Variable Rate
$.01 - $9,999.99	0.00%	0.00%
$10,000.00 - $24,999.99	0.25%	0.25%
$25,000.00 - $99,999.99	0.30%	0.30%
$100,000.00 + over	0.40%	0.40%

Rate will change after account opening.
Consult your tax advisor concerning your IRA account situation.
Dividends paid quarterly.
Penalty will apply for early withdrawal.

Type of Account	Annual Percentage Yield	Dividend Rate
6-Month Share Certificate*
6-Month Share Certificate*	-	0.40%
9-Month Share Certificate*
$500.00 - $24,999.99	-	0.45%
$25,000.00 + over	-	0.45%
1-Year Share Certificate or 1-Year IRA Share Certificate**
$500.00 - $24,999.99	0.50%	0.50%
$25,000.00 + over	0.50%	0.50%
2-Year Share Certificate or 2-Year IRA Share Certificate**
$500.00 - $24,999.99	0.75%	0.75%
$25,000.00 + over	0.75%	0.75%
3-Year Share Certificate or 3-Year IRA Share Certificate**
$500.00 - $24,999.99	1.05%	1.05%
$25,000.00 + over	1.05%	1.05%
5-Year Share Certificate or 5-Year IRA Share Certificate**
$500.00 - $24,999.99	1.87%	1.85%
$25,000.00 + over	1.87%	1.85%

Minimum deposit $500.
Penalty will apply for early withdrawal.
*Dividends paid at maturity.
**Dividends compounded quarterly and paid quarterly.

Type of Account	Annual Percentage Yield	Dividend Rate
Prime Share Savings	0.25%	0.25%

Minimum balance of $5.00 required to obtain Credit Union membership.
Dividends paid quarterly.
Account transfer limitations may apply.

Type of Account	Annual Percentage Yield	Dividend Rate
Regular Shares	0.25%	0.25%

Minimum balance of $1.00.
Dividends paid quarterly.
Account transfer limitations may apply.

Type of Account	Annual Percentage Yield	Dividend Rate
PREMIUM SAVINGS
$0.01 - $9,999.99	No Dividends Earned	No Dividends Earned
$10,000.00 - $24,999.99	0.25%	0.25%
$25,000.00 - $99,999.99	0.30%	0.30%
$100,000.00 + over	0.40%	0.40%

Minimum balance of $1.00
Dividends paid quarterly
Account transfer limitations may apply.

Type of Account	Annual Percentage Yield	Dividend Rate
Vacation Club	0.25%	0.25%

Minimum balance of $1.00. Dividends paid quarterly.
Acct transfer limitations may apply.
$100 minimum withdrawal.

Type of Account	Annual Percentage Yield	Dividend Rate
Christmas Club	0.25%	0.25%

Balance transferred to Prime Share in October. Account transfer limitations may apply.

Type of Account	Annual Percentage Yield	Dividend Rate
Checking/Share Draft	0.00%	0.00%

Minimum balance of $1.00. Balance required to earn dividends is $1,000.
Dividends paid quarterly.

Type of Account	Annual Percentage Yield	Dividend Rate
Daily Money Fund	0.25%	0.25%

Minimum balance of $1.00. Balance required to earn dividends is $2,000.
Dividends paid monthly.

* Dividends on all accounts are declared at the close of the dividend period by the Board of Directors and are subject to change at any time. Dividends on all shares are paid from available earnings after transfers to required reserves and can not be guaranteed. Dividends begin to accrue on all deposits (including non-cash deposits) on the same day they are deposited. Share draft printing fees vary.

* Rates are subject to change. For more information about fees and other terms that apply, call the Member Service Department at 540-663-2181 or 540-373-5127.

Effective as of 01-31-2012 by NSWC FCU