66 Federal Credit Union
Business Dividend Rates

Effective January 1, 2009

*91 Days not available for IRAs

• • Insured by NCUA up to $250,000.
• • Fees may reduce the earnings on some accounts.
• • Rates are subject to change without notice.
• • Annual Percentage Yield applies when the dividend is reinvested in the account.
• • Early withdrawal on certificates 91 days through 24 months will result in a penalty equal to 90 days dividend, at the certificate rate, on the amount withdrawn. 91 day Money Market certificate early withdrawal penalty is equal to 7 days dividends whether earned or unearned.
• • Early withdrawal on certificates over 24 months will result in a penalty equal to 182 days dividend, at the certificate rate, on the amount withdrawn.
• • A certificate may not be reduced below the required minimum balance.

Account Disclosures

Balance method on Savings, Sub Savings, and Checking accounts is the average daily balance. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Balance method on the Performance Fund and Performance Plus is the daily balance method. The daily balance method applies a daily periodic rate to the balance each day.

Limitations apply to the Savings, Sub Savings, Performance Fund and Performance Plus accounts. No more than six preauthorized, automatic or telephone transfers may be made from these accounts to another account of yours or to a third party in any month. No more than three of the six transfers may be made by draft to a third party.

The dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rates and annual percentage yield are the prospective rates and yield that the Credit Union anticipates paying for the applicable dividend period.

Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. Fees may reduce the earnings on your accounts.

If you close your account before dividends are credited, accrued dividends will not be paid.

Share certificates are available for with various terms. Minimum to open is $500.

Credit Union membership savings (Share) par value is $5.00.

Business Performance Fund, Business Performance Plus and Advantage Business Checking accounts earn dividends according to the following tiers: