EMPLOYEES CREDIT UNION AND KAUFMAN COUNTY CREDIT UNION A branch of Employees Credit Union DIVIDEND RATE SCHEDULE EFFECTIVE FEBRUARY 06, 2012 TERM IRA or TERM SHARE CERTIFICATES - $1,000.00 Minimum 3 & 6 Month Certificates - Dividends posted at maturity 12-36 Month Certificates - Dividends posted quarterly Early withdrawal of Certificate may incur a penalty Term Share Certificates declared weekly APY = Annual Percentage Yield RATE = Dividend Rate FINANCIAL INSTITUTIONS MAY NOT DEPOSIT FUNDS AT ECU Important Notice:  Your credit union is NOT a bank or investment firm. Your aggragate funds in Savings, Checking, Money Markets, and Certificates are insured by NCUA up to $250,000. Term Rate - APY 3 month 0.14% - 0.14% 6 month 0.25% - 0.25% 12 month 0.44% - 0.44% 18 month 0.53% - 0.53% 24 month 0.75% - 0.75% 30 month 0.75% - 0.75% 36 month 0.95% - 0.95% Regular Savings Account- With average balance of $500.00 earn 0.50% RATE Compounded and credited monthly at 0.50% APY Checking Accounts- With average balance of $500.00 earn 0.30% RATE Compounded and credited monthly at 0.30% APY IRA Savings Accounts- With average balance of $500.00 earn 0.90% RATE Compounded and credited monthly at 0.90% APY Money Market Savings- With a minimum balance of $2,500.00 earn 0.70% RATE Compounded and credited monthly at 0.70% APY Money Market Savings Plus- With a minimum balance of $10,000.00 earn 0.90% RATE Compounded and credited monthly at 0.90% APY ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE- FOR ADDITIONAL INFORMATION CALL 214-357-3328 EXT 216 OR EXT 210