Certificates | Share & Savings | Loans | Real Estate

Certificate Rates

Rates Effective as of 6/30/2008.

For more information about Certificates & IRAs,

please call Jennifer Irwin at 925-825-0900, ext. 314.

Certificate Minimum deposit:  $1,000

IRA Certificate Min. deposit:    $   500

Share accounts are insured up to $350,000 per account owner. IRA accounts are separately insured up to $500,000.^*

Rates and terms subject to change without notice.

For more information on rates, call 925-825-0900.

Accounts are insured up to $350,000 per account owner.

All dividends are paid & compounded monthly; APY = Annual Percentage Yield
The Dividend Rate and APY for each Term Share Account (Certificate), Regular and IRA, are set forth above.

For the purposes of this disclosure, this dividend rate & APY were offered as of the effective date of this notice. If a Term Share Account were opened, the applicable Dividend Rate & APY set forth above would be paid for the length of the term listed for such an account. There may be a substantial penalty for early withdrawal. APY assumes all dividends are reinvested. If the daily balance in the account is equal to or exceeds the minimum tier amount, the dividend rate will be paid on the entire balance in the account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Fees and other conditions could reduce earnings.

*Term Share Accounts are insured up to $350,000 per account/joint owner ($100,000 by the NCUSIF, a Government and independent federal agency and $250,000 by (ASI) American Share Insurance supplemental share insurance.)

IRA Accounts are insured separately up to $500,000 ($250,000 by the NCUSIF, a Government and independent federal agency and $250,000 by (ASI) American Share Insurance supplemental share insurance.)

** Certificate Special good for new certificates and matured existing certificates only. Offer valid for only the first $1,000,000 deposited or rolled over at maturity. Minimum deposit balance is $1,000 for months listed above for either regular or IRA certificates.

Special expires 7/11/2008 and may be changed or canceled at any time without notice.