Savings and Checking Rates
Effective: November 6, 2008

Account Type Annual
Percentage Yield 		Dividend Rate Average Daily
Balance to Obtain Rate 		Minimum to Open
Classic Checking N/A N/A N/A $0
Capitol Checking 0.50% 0.50% $1,000 and above $1,000
Money Market

0.50%
1.21%
1.41%
1.76%
2.02%
2.22%
2.38%

0.50%
1.20%
1.40%
1.75%
2.00%
2.20%
2.35%

$0
$2,500 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $74,999
$75,000 - $99,999
$100,000 and above

$2,500
IRA Daily
1.51 %
1.71 %
2.17%
2.58%
1.50%
1.70%
2.15%
2.55%
$0 -

$19,999.99
$20,000 - $49,999.99
$50,000 - $99,999.99
$100,000 - and above
$0
Membership Savings 0.75% 0.75% $0 and above $5
Second Savings 0.75% 0.75% $0 and above $0
Congressional Kids Club 0.75% 0.75% $0 and above $5
Holiday Club Account 0.75% 0.75% $0 and above $25

*The dividend rates and annual percentage yields (APY) disclosed in the table above are as of the last dividend declaration date. The dividend rates and APYs on all share accounts may change weekly as determined by the Credit Union Board of Directors.
Rates and Fee Schedule




Certificate Rates
Effective: November 6, 2008

Type Annual Percentage Yield Dividend Rates Minimum to Open
5 year certificate 4.50% 4.41% $1,000
4 year certificate 4.20% 4.12% $1,000
3 year certificate 4.00% 3.93% $1,000
2 year certificate 3.30% 3.25% $1,000
1 year certificate 3.14% 3.10% $1,000
Flexible Saver - 1 year certificate 3.14% 3.10% $100
6 month certificate 2.78% 2.75% $1,000

18 month certificate*
(Available online for a
limited time only)

 3.30% 3.25% $1,000
Jumbo - 1 year certificate 3.25% 3.20% $100,000
Jumbo - 6 month certificate 2.89% 2.85% $100,000
Jumbo - 90 day certificate 2.38% 2.35% $100,000
Adjustable Rate Certificates are also available for all terms listed above with the exception of the Jumbo, Flexible Saver, and Special certificates. The dividend rate is 0.25% less than the rate for similar term fixed rate certificates. All certificates are available as IRAs. $1,000

The rates and APYs were offered within the most recent seven calendar days and are accurate as of the effective date listed above. The Flexible Saver is subject to a maximum deposit limit of $1,000. Early withdrawal penalties may/will be assessed.
*To open an 18 month certificate, log in to Online Banking, click on Account Services and Open Account.
Rates and Fee Schedule