United Local Credit Union

Deposit Rates

Share Certificates -- CDs

Term	Minimum Balance for Dividends	Rates	A.P.Y.*
6 Month	$ 2,000 - $ 9,999	0.10%	0.10%
	$ 10,000 - $ 49,999	0.15%	0.15%
	$ 50,000 - $ 99,999	0.15%	0.15%
	$100,000 & UP	0.20%	0.20%
12 Month	$ 2,000 - $ 9,999	0.20%	0.20%
	$ 10,000 - $ 49,999	0.25%	0.25%
	$ 50,000 - $ 99,999	0.25%	0.25%
	$100,000 & UP	0.30%	0.30%
18 Month	$ 2,000 - $ 9,999	0.30%	0.30%
	$ 10,000 - $ 49,999	0.45%	0.45%
	$ 50,000 - $ 99,999	0.45%	0.45%
	$100,000 & UP	0.50%	0.50%
24 Month	$ 2,000 - $ 9,999	0.40%	0.40%
	$ 10,000 - $ 49,999	0.55%	0.55%
	$ 50,000 - $ 99,999	0.55%	0.55%
	$100,000 & UP	0.60%	0.60%
*A.P.Y = Annual Percentage Yield Dividends are compounded daily and paid monthly. Substantial penalty for early withdrawal.

Regular Shares

Minimum Plateau for Dividends	* APY=Annual Percentage Yield
$1 - $49	0.00%
$50 - $1,999	0.05%
$2000 - $4,999	0.05%
$5000 - $9,999	0.10%
$10,000 & UP	0.10%
Dividend Rates and Yields apply to each plateau and are calculated monthly on the average daily balance and posted to all applicable accounts remaining open at the end of each calendar quarter.

Money Market Shares

Minimum balance required	APR	APY
$0 to $2,500	No Dividend	No Fee
$2,500 - $9,999	0.10%	0.10%
$10,000 - $24,999	0.15%	0.15%
$25,000 - $49,999	0.15%	0.15%
$50,000 - $99,999	0.15%	0.15%
$100,000 & UP	0.15%	0.15%
Balances below $2,500 will not earn a dividend.

Share Draft (Checking)

Minimum Balance for Dividends	Dividend Rate	APY
$500 - $4,999	0.05%	0.05%
$5,000 & UP	0.05%	0.05%
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.

Christmas / Club Accounts

minimum balance for dividends	dividend rates	APY
$5.00	0.25%	0.25%

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