United Local Credit Union

Deposit Rates

Regular Shares

Minimum Plateau for Dividends	Dividend Yield	as low as	As high as
$1 - $49	0.00%	0.00%	0.00%
$50 - $1,999	0.10%	0.07%	0.10%
$2000 - $4,999	0.10%	0.07%	0.10%
$5000 - $9,999	0.20%	0.10%	0.50%
$10,000 & UP	0.20%	0.10%	0.50%
as low as

Money Market Shares

Minimum balance required	APR	APY
$0 to $2,500	No Dividend	No Fee
$2,500 - $9,999	.25%	.25%
$10,000 - $24,999	.50%	.50%
$25,000 - $49,999	.50%	.50%
$50,000 - $99,999	.50%	.50%
$100,000 & UP	.50%	.50%
Dividend rates apply to each plateau and are paid monthly and calculated date of deposit to date of withdrawal.

Share Draft (Checking)

Minimum Balance for Dividends	Dividend Rate	APY
$500 - $4,999	0.10%	0.10%
$5,000 & UP	0.10%	0.10%
Dividend rates apply to each plateau and are calculated monthly on the average daily balance. Balances below the $500 minimum required balance will not earn a dividend. Dividends earned are paid monthly. Business Checking Accounts, Type '24', do not earn dividends.

Special Shares

Term	Minimum Balance for Dividends	Rates	A.P.Y.*
6 Month	$ 2,000 - $ 9,999	0.70%	0.70%
	$ 10,000 - $ 49,999	0.70%	0.70%
	$ 50,000 - $ 99,999	0.99%	1.00%
	$100,000 & UP	0.99%	1.00%
12 Month	$ 2,000 - $ 9,999	0.94%	0.95%
	$ 10,000 - $ 49,999	0.94%	0.95%
	$ 50,000 - $ 99,999	1.00%	1.01%
	$100,000 & UP	1.00%	1.01%
18 Month	$ 2,000 - $ 9,999	0.98%	0.99%
	$ 10,000 - $ 49,999	0.98%	0.99%
	$ 50,000 - $ 99,999	1.18%	1.19%
	$100,000 & UP	1.18%	1.19%
24 Month	$ 2,000 - $ 9,999	1.49%	1.50%
	$ 10,000 - $ 49,999	1.49%	1.50%
	$ 50,000 - $ 99,999	1.64%	1.65%
	$100,000 & UP	1.64%	1.65%
*A.P.Y = Annual Percentage Yield Dividends are compounded daily and paid monthly. Substantial penalty for early withdrawal.

Christmas / Club Accounts

minimum balance for dividends	dividend rates	APY
$5.00	2.00%	2.02%

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