Niagara's Choice Federal Credit Union

Effective 07-01-2010

SAVINGS/DEPOSIT ACCOUNTS
Account Type	Dividend Rate	Annual % Yield
Regular Savings Share	0.50%	0.501% APY
No Fee Checking/Draft	0.10%	0.10% APY
IRA Accounts	1.15%	1.157% APY
Club Accounts	0.50%	0.501% APY

APY = Annual Percentage Yield

All dividend rates are compounded daily and credited quarterly to all types of share accounts. A minimum $250 daily balance is required to earn dividends

CERTIFICATE ACCOUNTS
Term	Dividend Rate	Annual % Yield
3-Month	0.35%	0.351% APY
6-Month	0.35%	0.351% APY
12-Month	0.55%	0.551% APY
24-Month	.75%	.753% APY
36-Month	1.00%	1.005% APY
48-Month	1.250%	1.258% APY
60-Month	1.500%	1.511% APY

APY = Annual Percentage Yield

Minimum required balance just $500. Certain penalties apply if funds are withdrawn prior to account maturity. Refer to the "Term Share Account Disclosure" for details.

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