Share Rates  

Rates are effective 05/13/09 and may change without notice

APY: Annual Percentage Yield

Share Certificates	Min. Deposit	Dividend	APY*
6 months	$  500	1.74	1.75
9 months	$1000	1.84	1.85
12 months	$1000	1.98	2.00
24 months	$1000	2.23	2.25
36 months	$1000	2.96	3.00
Dividends are paid monthly.  Penalty for early withdrawal.  Subject to availability.

Enhanced Shares  ( Money Market )	Dividend	APY*
$100,000 +	1.49	1.50
$75,000 - $99,999	1.39	1.40
$25,000-$74,999	1.29	1.30
$2,500-$24,999	1.19	1.20
Less Than $2,500	1.00	1.01
• Dividend paid monthly on the average daily balance • Rates may change without notice after the account is opened. • One free withdrawal per month.  Fees could reduce earnings on the account
Free Checking (Share Drafts)	Dividend	APY*
• Dividend paid monthly on the average daily balance • $300 minimum balance required to earn dividend • Rate may change after the account is opened	0.10	0.10

Regular Savings Accounts	Dividend	APY*
• Dividend paid monthly on the average daily balance • $25 minimum deposit required for membership • Rate may change after the account is opened	1.20	1.21

IRA Rates  

IRA Certificates	Min. Deposit	Dividend	APY*
6 months	$ 500	1.74	1.75
12 months	$1000	1.98	2.00
24 months	$1000	2.23	2.25
36 months	$1000	2.96	3.00
Dividends are paid monthly.  Penalty for early withdrawal.  Subject to availability. Please contact Amy Struve  for an appointment astruve@isu-cu.org

IRA Savings	Dividend	APY*
• Dividend paid monthly on the average daily balance • Rate may change after the account is opened	1.60	1.61

* Annual percentage yield is represented by the heading APY

Member accounts are insured up to $100,000 by the National Credit Union Share Insurance Fund, an arm of the National Credit Union Administration. NCUA is an independent agency of the United States Government.

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