ONE YEAR CERTIFICATE

Bonus Dividend Rate: 0.80%

Bonus APY: 0.80%

Dividend Rate: 0.55%

APY: 0.55%

APY=Annual Percentage Yield.

1/4% BONUS RATE

If you have an active RCU Checking Account* and regularly use five other qualifying services, you can receive a 1/4% bonus on your certificate, except IRAs.

Qualifying RCU services include:

eBranch
Certificate
Check Card
Direct Deposit
Money Market Account
HSAs
IRAs
Personal Loan
Home Loan
Safe Deposit Box
Visa
RCU Investment and Insurance Services
Home Equity Loan

* RCU defines an active checking account as having 10 or more transactions per month.

RCU offers great rates, several term options, and low minimum deposits, which makes it easy to save at any income level. You decide the amount of money to put in your certificate and the term.

Open a certificate.

Invest a Minimum of $100 or More**

	Bonus Dividend Rate	Bonus APY	Dividend Rate	APY
3 Month	0.50%	0.50%	0.25%	0.25%
6 Month	0.60%	0.60%	0.35%	0.35%
9 Month	0.75%	0.75%	0.50%	0.50%
1 Year	0.80%	0.80%	0.55%	0.55%
15 Month	0.95%	0.95%	0.70%	0.70%
18 Month	1.00%	1.00%	0.75%	0.75%
30 Month	1.49%	1.50%	1.25%	1.25%
4 Year	1.74%	1.75%	1.49%	1.50%
6 Year	1.74%	1.75%	1.49%	1.50%
APY = Annual Percentage Yield Rates current as of 2012-02-06. Last changed on 2011-10-10. The above rates are subject to change at any time without notice. Minimum balance of $100 to open certificate and to earn dividends. Substantial penalty for early withdrawal. Charges could reduce the earnings on the account. RCU defines an active checking account as having 10 or more transactions per month. *Amounts over $250,000 are subject to RCU’s discretion.

Invest $50,000 or More*

	Bonus Dividend Rate	Bonus APY	Dividend Rate	APY
3 Month	0.50%	0.50%	0.25%	0.25%
6 Month	0.60%	0.60%	0.35%	0.35%
9 Month	0.75%	0.75%	0.50%	0.50%
1 Year	0.80%	0.80%	0.55%	0.55%
15 Month	0.95%	0.95%	0.70%	0.70%
18 Month	1.00%	1.00%	0.75%	0.75%
30 Month	1.49%	1.50%	1.25%	1.25%
4 Year	1.74%	1.75%	1.49%	1.50%
6 Year	1.74%	1.75%	1.49%	1.50%
APY = Annual Percentage Yield Rates current as of 2012-02-06. Last changed on 2011-10-10. The above rates are subject to change at any time without notice. Minimum balance of $50,000 to open certificate and to earn dividends. Substantial penalty for early withdrawal. Charges could reduce the earnings on the account. *Amounts over $250,000 are subject to RCU’s discretion.