Saratoga's Community Federal Credit Union

Money Market CHECKING
Balance	Dividend Rate	APY*
$50.00 to $2,499.99	0.598%	0.60%
$2,500.00 to $9,999.99	0.728%	0.73%
$10,000.00 to $24,999.99	0.896%	0.90%
$25,000.00 to $249,999.99	1.292%	1.30%
$250,000 and over	0.000%	0.00%
Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.

SHARE CERTIFICATES

	STANDARD RATES New Money Not Required		PROMOTIONAL RATES New Money Required
Term	Dividend Rate	APY*	Dividend Rate	APY*
30 Day	1.243%	1.25%	1.243%	1.25%
60 Day	1.243%	1.25%	1.490%	1.50%
3 Month	1.243%	1.25%	2.960%	3.00%
6 Month	1.342%	1.35%	3.203%	3.25%
12 Month	1.440%	1.45%	3.445%	3.50%
24 Month	1.539%	1.55%	3.445%	3.50%
36 Month	1.638%	1.65%	3.445%	3.50%
48 Month	1.736%	1.75%	3.445%	3.50%
60 Month	1.835%	1.85%	3.445%	3.50%

Calculations are based on interest that is accrued daily but paid and compounded monthly through the CD term. Calculations assume 30 days per month and that monthly interest is reinvested in the CD. Actual earnings may vary and may be lower if the account is subject to backup withholdings or if dividends are withdrawn prior to the maturity date of the certificate. $500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, the amount of the early withdrawal penalty for your account is 90 days dividends; early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

CHECKING Products
	Minimum Balance Requirement	APY*
Basic Checking	none	0.00%
Premier Checking	none	0.05%
High Yield Checking	none	0.05%
Checking accounts earn dividends on average daily balances of $250.00 or more. Fees may reduce earnings.

IRA Savings
	APY*
IRA Shares	0.25%
Dividend on average daily balances of $50.00 or more

IRA Certificate Accounts
Term	Dividend Rate	APY*
1 Month 30 to 59 days	1.243%	1.25%
2 Months 60 to 89 days	1.243%	1.25%
3 Months 90 to 119 days	1.243%	1.25%
6 Months 180 to 359 days	1.342%	1.35%
12 Months 360 to 719 days	1.44%	1.45%
24 Months 720 to 1,079 days	1.539%	1.55%
36 Months 1,080 to 1,439 days	1.638%	1.65%
48 Months 1,440 to 1,799 days	1.736%	1.75%
60 Months 1,800 to 2,159 days	1.835%	1.85%
$500 minimum deposit on certificates. Rates may change without prior notice. We may impose a penalty if you withdraw any of the principal before the maturity date. For 30 to 60 days Certificate accounts, the amount of the early withdrawal penalty is 30 days dividends. For all other certificate accounts, the amount of the early withdrawal penalty for your account is 90 days dividends. Early withdrawal penalty could reduce earnings on the account. Balances in excess of $250,000 are not insured by NCUSIF.

SAVINGS Products
	Minimum Balance Requirement	APY*
Savings	$2.50	0.05%
Holiday Club	None
$0.01 to $5,000		0.25%
Above $5,000		0.00%
Includes Sub-Accounts, Student Accounts, Holiday, Special, Escrow, Vacation and Summer Loan Payment Savings. Dividend on average daily balances of $50.00 or more.

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