Rates | Deposit Rates

Deposit Rates

Savings Rate Information Effective November 20, 2008 to December 18, 2008. (Subject to change at anytime.)

Share Savings Accounts

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
$300 - 4,999	.25	.25	Monthly	Monthly	$25.00	$300
$5,000 - 9,999	.25	.25	Monthly	Monthly	$25.00	$5,000
$10,000 or more	.50	.50	Monthly	Monthly	$25.00	$10,000

PRIMO Checking

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
$0 - 25,000	4.89	5.00	Monthly	Monthly	$0	$0*
$25,001 or more	1.00	1.00	Monthly	Monthly	$0	$25,001*

*PRIMO Checking - subject to terms and conditions as disclosed in PFCU's Account Disclosures.

Prime Time Checking Accounts

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
$1,000 - 4,999	.25	0 - .20	Monthly	Monthly	$0	$1,000
$5,000 - 9,999	.25	.20 - .23	Monthly	Monthly	$0	$5,000
$10,000 or more	.25	.23 - .25	Monthly	Monthly	$0	$10,000

Premier Money Market Accounts

Account Balance	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
$1,000 - 9,999	.50	.50	Monthly	Monthly	$10,000	$1,000
$10,000 - 24,999	2.50	2.53	Monthly	Monthly	$10,000	$10,000
$25,000 - 74,999	2.75	2.78	Monthly	Monthly	$10,000	$25,000
$75,000 or more	3.00	3.04	Monthly	Monthly	$10,000	$75,000

Prime Time Direct Checking

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Prime Time Direct Checking	.25	.25	Monthly	Monthly	$0	0

Prime Time Plus Checking

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Prime Time Plus Checking	.25	.25	Monthly	Monthly	$0	0

Prime Time Teen Checking

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Prime Time Teen Checking	.25	.25	Monthly	Monthly	$0	0

Christmas Club

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Christmas Club	1.00	1.00	Monthly	Monthly	$0	0

Lil' Saver's Club

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
LIL' Savers Club	2.50	2.53	Monthly	Monthly	$0	$0

Summer Spending

AccountType	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Summer Spending	1.00	1.00	Monthly	Monthly	$0	$0

MasterCard (Secured)

AccountType	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
MasterCard (Secured)	1.00	1.00	Monthly	Monthly	$0	$0

Prime Time Teen Share

AccountType	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Prime Time Teen Share	2.50	2.53	Monthly	Monthly	$0	$0

Prime Saver's Club

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Open Account	Minimum Required To Obtain APY
Prime Saver's Club	1.00	1.00	Monthly	Monthly	$0	$0

Share & IRA CDs / Roth-Traditional & Coverdell

Account Term	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	**PFCU REWARDS Dividend Rate (%)	**PFCU REWARDS Annual Percentage Yield (APY) (%)	Minimum Required To Obtain APY
60 Days share only	2.25	2.25	Maturity	Maturity	2.50	2.50	$500
90 Days share only	2.50	2.50	Maturity	Maturity	2.75	2.75	$500
182 Days	2.50	2.50	Maturity or Monthly	Maturity or Monthly	2.75	2.75	$500
1 Year	3.75	3.75	Maturity	Maturity	4.00	4.00	$500
18 Months	2.75	2.78	Quarterly	Quarterly	3.00	3.03	$500
2 Years	3.50	3.55	Quarterly	Quarterly	3.75	3.80	$500
2.5 Years	3.50	3.55	Quarterly	Quarterly	3.75	3.80	$500
3 Years	3.50	3.55	Quarterly	Quarterly	3.75	3.80	$500
4 Years	3.50	3.55	Quarterly	Quarterly	3.75	3.80	$500
5 Years	4.0	4.06	Quarterly	Quarterly	4.25	4.32	$500

**PrimeFinancial REWARDS are for those members who have a direct deposit of $500 or more to a PFCU Checking account, or aggregate savings balances of $25,000 or more.

IRA

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Dividend Compounded	Paid	Minimum Required To Obtain APY
Share	2.25	2.27	Monthly	Monthly	$0

* The Dividend rates and annual percentage yields (APY) are accurate as of the above date. Please note that dividend rates are subject to change at any time without notice. In addition, dividends for all savings-type accounts are calculated by the average daily balance method which applies a daily periodic rate to the principal in an account each day. Also note, that fees/penalties will reduce earnings on an account. PFCU is insured by the National Credit Union Savings Insurance Fund (NCUSIF). For more information regarding dividend rates, terms, and fees, please call 414.486.4500 or 800.835.9680.