Niagara's Choice Federal Credit Union

Effective 06-01-2008

SAVINGS/DEPOSIT ACCOUNTS
Account Type	Dividend Rate	Annual % Yield
Regular Savings Share	1.15% APR	1.157% APR
No Fee Checking/Draft	0.25% APR	0.250% APR
IRA Accounts	2.50% APR	2.531% APR
Club Accounts	1.15% APR	1.157% APR

APR= Annual Percentage Rate

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	2.750% APR	2.788%
6-Month	2.750% APR	2.788%
12-Month	2.500% APR	2.531%
24-Month	2.500% APR	2.531%
36-Month	2.500% APR	2.531%
48-Month	2.500% APR	2.531%
60-Month	3.00% APR	3.045%
Special 6-Month*	2.750% APR	2.788%
*New Money Only

APR= Annual Percentage Rate

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 Certain penalties apply if funds are withdrawn prior to account maturity.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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