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Certificate and IRA Certificate Rates

Rates effective Tuesday, May 13, 2008

Term APY* Dividend Rate Dividend Payment Tier
3 month Certificate or IRA: $1,000 to $24,999 2.00% APY 1.986% Compounded Quarterly $1,000 to $24,999
3 month Certificate or IRA: $25,000 to $99,999 2.20% APY 2.183% Compounded Quarterly $25,000 to $99,999
3 month Certificate or IRA: $100,000 and up 2.50% APY 2.477% Compounded Quarterly $100,000 and up
6 month Certificate or IRA: $1,000 to $24,999 2.05% APY 2.035% Compouded Quarterly $1,000 to $24,999
6 month Certificate or IRA: $25,000 to $99,999 2.25% APY 2.232% Compounded Quarterly $25,000 to $99,999
6 month Certificate or IRA: $100,000 and up 2.55% APY 2.526% Compounded Quarterly $100,000 and up
1 Year Option** Certificate or IRA: $1,000 to $24,999 2.20% APY 2.183% Compounded Quarterly $1,000 to $24,999
1 Year Option** Certificate or IRA: $25,000 to $99,999 2.40% APY 2.379% Compounded Quarterly $25,000 to $99,999
1 Year Option** Certificate or IRA: $100,000 and up 2.70% APY 2.674% Compounded Quarterly $100,000 and up
1 Year Certificate or IRA: $1,000 to $24,999 2.30% APY 2.281% Compounded Quarterly $1,000 to $24,999
1 Year Certificate or IRA: $25,000 to $99,999 2.50% APY 2.477% Compounded Quarterly $25,000 to $99,999
1 Year Certificate or IRA: $100,000 and up 2.80% APY 2.772% Compounded Quarterly $100,000 and up
2 Year Certificate or IRA: $1,000 to $24,999 2.80% APY 2.772% Compounded Quarterly $1,000 to $24,999
2 Year Certificate or IRA: $25,000 to $99,999 3.00% APY 2.967% Compounded Quarterly $25,000 to $99,999
2 Year Certificate or IRA: $100,000 and up 3.30% APY 3.260% Compounded Quarterly $100,000 and up
3 Year Certificate or IRA: $1,000 to $24,999 3.25% APY 3.212% Compounded Quarterly $1,000 to $24,999
3 Year Certificate or IRA: $25,000 to $99,999 3.50% APY 3.455% Compounded Quarterly $25,000 to $99,999
3 Year Certificate or IRA: $100,000 and up 3.70% APY 3.650% Compounded Quarterly $100,000 and up
5 Year Certificate or IRA: $1,000 to $24,999 3.85% APY 3.796% Compounded Quarterly $1,000 to $24,999
5 Year Certificate or IRA: $25,000 to $99,999 4.00% APY 3.942% Compounded Quarterly $25,000 to $99,999
5 Year Certificate or IRA: $100,000 and up 4.10% APY 4.039% Compounded Quarterly $100,000 and up



Additional Information

Rates subject to change without notice at any time.

Penalties will apply for early withdrawals.

*Annual Percentage Yield (APY)

** Minimum balance in the 1-Year Option Share Certificate can not fall below $1,000 unless the member withdraws the entire balance when exercising the option. If the 1-Year Option Share Certificate is no longer offered, the member will be given a 30 day notice prior to renewal date. A penalty applies if the principal is withdrawn prior to the option date or if not reinvested in a DFCU Financial non-option certificate of equal or greater term.

NCUA Your savings federally insured up to $100,000 by the National Credit Union Administration (NCUA), a U.S. government agency.


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