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Current Savings and Certificate Rates            13-Month Certificate Special!
TERM CERTIFICATES - Effective November 21, 2008
Term(Months) Minimum Deposit Dividend Rate Annual Percentage Yield Dividend Paid
3 $1,000 2.35% 2.37% APY At Maturity
6 $1,000 2.70% 2.73% APY Monthly
12 $500 2.90% 2.93% APY Quarterly
18 $500 3.00% 3.03% APY Quarterly
24 $500 3.15% 3.19% APY Quarterly
30 $500 3.20% 3.24% APY Quarterly
36 $500 3.25% 3.29% APY Quarterly
48 $500 3.35% 3.39% APY Quarterly
60 $500 3.50% 3.55% APY Quarterly
Early withdrawal penalties apply.

 
YOUTH TERM CERTIFICATES - Effective November 21, 2008
Term(Months) Minimum Deposit Dividend Rate Annual Percentage Yield Dividend Paid
6 $250 2.70% 2.73% APY* Monthly
12 $250 2.90% 2.93% APY* Quarterly
*Certificates available only for 0-18 years of age. Early withdrawal penalties apply.

INDIVIDUAL IRA ACCOUNTS:

Fixed rate IRA certificates of deposit earn the same rates as regular certificates listed above, with a minimum deposit of $250.

Variable rate IRA certificates require a minimum of $100 to open. $50 minimum deposits can be added at any time, but no previous year contributions are permitted. The rate paid is the same as life savings dividend rate. Minimum rate is 1%.

DIVIDEND RATES - Effective December 1, 2008
  Dividend Rate Annual Percentage Yield
Sharedraft Checking Account (paid monthly)(a) 0.25% 0.25% APY

Regular Savings (paid quarterly)(b)
   Life Savings (00)
   Open Savings (01 and 02)
   Seasonal Savings (03)*
   KidsCount/CUSucceed Savings (04)*
   MatriMoney Savings (05)*
   Escrow Savings (BB)*
0.50%
0.75%
1.00%
1.50%
0.75%
1.00%
0.50% APY
0.75% APY
1.00% APY
1.51% APY
0.75%APY
1.00% APY
Share Premium Savings (paid monthly)(b)(c)
   $25.00 - $2,500.00
   $2,500.01 - $10,000.00
   $10,000.01 - $25,000.00
   $Over $25,000
0.50%
0.75%
1.75%
2.15%
0.50% APY
0.75% APY
1.76% APY
2.17% APY
Club Accounts (paid annually)
   Christmas Club (SC)*
   Vacation Club (SV)*
1.00%
1.00%
1.00% APY
1.00% APY
(a)Dividend Checking and Share Club Checking - $1000 or more daily balance required to earn dividends (b)Savings - $25 minimum balance required to earn dividends, except KidsCount/CUSucceed Savings which requires $5 minimum balance to earn dividends.(c)See Savings Options for details regarding Share Premium Account.

*Early withdrawal penalties apply.

No dividend is paid if an account is closed prior to the dividend pay date. All rates are subject to change without notice at the discretion of Central City Credit Union. Please contact Central City for verification of current rates.

Central City Credit Union is federally insured by the National Credit Union Administration.

NCUA