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Deposit Rates

Effective Date: September 1, 2010

Certificates

Term		DIVIDENDS						BALANCE REQUIREMENTS
Term		Dividend Rate		APY*		Dividends Compounded & Credited		Minimum Opening Deposit		Minimum Balance to Earn the Stated Dividend Rate/APY*		Balance Method
6 months		0.60%		0.60%		Quarterly		$500.00		$500.00		Daily Balance
12 months		0.90%		0.90%		Quarterly		$500.00		$500.00		Daily Balance
24 months		1.05%		1.05%		Quarterly		$1,000.00		$1,000.00		Daily Balance
36 months		1.49%		1.50%		Quarterly		$1,000.00		$1,000.00		Daily Balance
48 months		1.74%		1.75%		Quarterly		$1,000.00		$1,000.00		Daily Balance
60 months		2.23%		2.25%		Quarterly		$1,000.00		$1,000.00		Daily Balance

Share & Share Draft Accounts

Account Type		DIVIDENDS						BALANCE REQUIREMENTS
Account Type		Dividend Rate		APY*		Dividends Compounded & Credited		Minimum Opening Deposit		Minimum Balance to Earn the Stated Dividend Rate/APY*		Balance Method
Share Savings		0.25%		0.25%		Quarterly		$25.00		$100.00		Daily Balance
Custodian		0.25%		0.25%		Quarterly		$5.00		$5.00		Daily Balance
Gain Share		0.25%		0.25%		Quarterly		$25.00		$25.00		Daily Balance
Smart Share		0.25%		0.25%		Quarterly		$25.00		$100.00		Daily Balance
Share Draft		Dividends not paid.
Gain Draft		Dividends not paid.
Smart Choice Checking		Dividends not paid.
Christmas Club		0.25%		0.25%		Quarterly		$25.00		$100.00		Daily Balance
Quarterly Club		0.25%		0.25%		Quarterly		$25.00		$25.00		Daily Balance
Money Market		0.30%		0.30%		Monthly		$2,000.00		$2,000.00		Daily Balance
		0.40%		0.40%		Monthly		$2,000.00		$10,000.01		Daily Balance
		0.50%		0.50%		Monthly		$2,000.00		$25,000.01		Daily Balance
IRA		0.90%		0.90%		Quarterly		$25.00		$25.00		Daily Balance
		1.39%		1.40%		Quarterly		$25.00		$10,000.01		Daily Balance
		1.94%		1.95%		Quarterly		$25.00		$20,000.01		Daily Balance

The rates appearing in this Schedule are accurate and effective for the accounts as of the Effective Date indicated above. Some account limitations apply; please refer to the Membership Account Agreement and Disclosures given at account opening. Rates are subject to change without notice. Early withdrawal subject to penalty. If you have any questions or require current rate and/or fee information on your account, please call the credit union at (757) 461-1796, or write to us at P.O. Box 12719, Norfolk, Virginia 23541-0719.

*APY stands for Annual Percentage Yield.

**Limited time offer; some restrictions may apply. Please contact the credit union for further information.

PEOPLE HELPING PEOPLE

P.O. Box 12719

Norfolk, VA 23541-0719

phone: 757.461.1796

toll-free: 800.335.1796

fax: 757.893.9144

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