Share Certificate Rates

September 19, 2012

Term: 3 Months
Balance: $1000-$74,999
APY: 0.35%
Balance: $75,000 & over
APY: 0.35%

Term: 6 Months
Balance: $1000-$74,999
APY: 0.35%
Balance: $75,000 & over
APY: 0.35%

Term: 12 Months
NFCU: $1000-$74,999
APY: 0.43%
NFCU: $75,000 & over
APY: 0.43%

Term: 18 Months
NFCU: $1000-$74,999
APY: 0.58%
NFCU: $75,000 & over
APY: 0.58%

Term: 2 Years
NFCU: $1000-$74,999
APY: 0.65%
NFCU: $75,000 & over
APY: 0.65%

Term: 3 Years
NFCU: $1000-$74,999
APY: 0.87%
NFCU: $75,000 & over
APY: 0.87%

Term: 4 Years
NFCU: $1000-$74,999
APY: 0.94%
NFCU: $75,000 & over
APY: 0.94%

Term: 5 Years
NFCU: $1000-$74,999
APY: 1.22%
NFCU: $75,000 & over
APY: 1.22%

All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
Certificate Rates are set for the term of the account.
Early withdrawal penalty applies.

Money Market Rates

October 1, 2012

Amounts: $25.00 - $4,999
Rate: 0.10%
APY: 0.10%

Amounts: $5,000 - $9,999
Rate: 0.35%
APY: 0.35%

Amounts: $10,000 - $19,999
Rate: 0.35%
APY: 0.35%

Amounts: $20,000 & Up
Rate: 0.35%
APY: 0.35%

All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
Certificate Rates are set for the term of the account.
Early withdrawal penalty applies.

IRA Account Rates

October 1, 2012

Term: Daily
Rate: 0.75%
APY: 0.75%

APY = Annual Percentage Yield
Rates are subject to change without notice.
Certificate Rates are set for the term of the account.
Early withdrawal penalty applies.

IRA Term Account Rates

October 1, 2012

Term: 12 Months
APY: 0.85%

Term: 18 Months
APY: 0.95%

Term: 2 Years
APY: 1.05%

Term: 3 Years
APY: 1.15%

Term: 4 Years
APY: 1.15%

Term: 5 Years
APY: 1.15%

All rates stated as APY (Annual Percentage Yield).
Rates are subject to change without notice.
IRA Term Certificates are set for the term of the account.
$1,000 minimum balance required.
Early withdrawal penalty applies.

NCUA Insured

Federally Insured by NCUA.