Dividend Rates
Effective July 1, 2010
Account Type	Rate Type	Minimum Balance Requirements	Dividend   Rate	Annual Percentage Yield (APY*)
Regular and Club Share Accounts	Variable	$             25	0.15%	0.15%
		$         5,000	0.25%	0.25%
		$       25,000	0.25%	0.25%
		$       50,000	0.25%	0.25%
Share Draft Accounts	Variable	$               0	0.00%	0.00%
		$             25	0.00%	0.00%
		$         5,000	0.10%	0.10%
		$       25,000	0.10%	0.10%
		$       50,000	0.10%	0.10%
IRA Share Accounts	Variable	$             25	0.35%	0.35%
Holiday Club Certificate*** (Matures in November each year)	Fixed	$             25	0.50%	0.50%
Share Certificate Accounts**
3 Month Certificate	Fixed	$         5,000	0.25%	0.25%
		$       25,000	0.30%	0.30%
		$       50,000	0.40%	0.40%
6 Month Certificate	Fixed	$         5,000	0.40%	0.40%
		$       25,000	0.45%	0.45%
		$       50,000	0.55%	0.55%
12 Month Certificate	Fixed	$         5,000	0.60%	0.60%
		$       25,000	0.65%	0.65%
		$       50,000	0.75%	0.75%
Youth Certificate****          (Matures on 18th Birthday)	Variable	$            250	****	--------
Rates subject to change.  Call the credit union at 619.579.0941 for current rate information.
Accounts are insured by the National Credit Union Administration to at least $250,000.
*APY-Annual percentage yield is based on an assumption that dividends will remain on deposit for the entire term of the dividend period.  Earnings are reduced by withdrawals from the account.
**Share Certificate Accounts-Subject to penalties for early withdrawal.
***Holiday Club Certificate Accounts-Are established by January 31 each year, additional deposits can be credited to the account throughout the year.  Fee for early withdrawal.
****Youth Certificate Accounts-rates based on monthly average of 26 week Treasury Bill rate adjusted monthly.  Additional deposits of $25 or more can be credited to the account throughout the lifetime of the certificate.

	266 S. Magnolia Avenue Suite 101 El Cajon, California 92020 P: 619.579.0941 F: 619.579.2057 info@elcajonfcu.org