United 1st Federal Credit Union

     * Annual Percentage Yield is accurate as of April 1, 2008.
     * These rates may change at any time without prior notice.
     * A penalty is imposed for early withdrawal.
     * Fees could reduce earnings on the account.

Basic Share Accounts
$100 minimum balance for dividends. Dividends are declared at the end of the quarter and are subject to change.

Account Type	Dividend Rate	Annual Percentage Yield
Base Share Account includes Bundles of Joy & Savasaurus Accounts	1.24%	1.25%
Prestige Accounts	1.74%	1.75%
Club Accounts	1.00%	1.00%

    * Annual Percentage Yield is accurate as of August 4, 2008.
    * These rates may change at any time without prior notice.
    * A penalty is imposed for early withdrawal.
    * Fees could reduce earnings on the account.

Share Certificates
$500 Minimum Opening Deposit

Terms	Dividend Rate	Annual Percentage Yield
3 Month	2.49%	2.52%
6 Month	2.97%	3.01%
12 Month	3.36%	3.41%
14 Month NON-RENEWABLE	3.48%	3.54%
18 Month	3.68%	3.74%
24 Month	3.75%	3.82%
36 Month	3.95%	4.02%

IRA Certificates
$500 Minimum Opening Deposit

12 Month	3.36%	3.41%
24 Month	3.75%	3.82%
36 Month	3.95%	4.02%

IRA Rates

Regular IRA

1.74%

1.75%

Checking Rates & Money Market Accounts

Terms	Dividend Rate	Annual Percentage Yield
$0 - $4,999.99 SILVER	0.00%	0.00%
$5,000 - $9,999.99 GOLD Money Market Accounts	0.99%	1.00%
$10,000 and Up PLATINUM Money Market Accounts	1.74%	1.75%