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Certificate, IRA, and HSA Checking Rates

Rates effective beginning December 23, 2011. IRA = Individual Retirement Account.

Special Offers | Money Market IRAs Rates | HSA Checking Account Rates | Savings IRA Rates

Regular and QuickStart Certificates Rates | Jumbo Certificates Rates | IRA Certificates Rates | Jump-Up Certificates Rates

Money Market IRA Rates*

$1,000 minimum balance to earn dividends.

Balance Tiers	Dividend Rate	Annual Percentage Yield
When daily balance is $100,000 or more	0.95%	0.95%
When daily balance is $50,000 to $99,999	0.80%	0.80%
When daily balance is $25,000 to $49,999	0.65%	0.65%
When daily balance is $10,000 to $24,999	0.50%	0.50%
When daily balance is $1,000 to $9,999	0.35%	0.35%

* Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Money Market dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

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HSA Checking Account Rates^

Offers a tax advantage to help offset healthcare expenses.

Balance Tiers	Dividend Rate	Annual Percentage Yield
When daily balance is $100,000 or more	0.40%	0.40%
When daily balance is $50,000 to $99,999	0.30%	0.30%
When daily balance is $25,000 to $49,999	0.20%	0.20%
When daily balance is $10,000 to $24,999	0.15%	0.15%
When daily balance is $1,000 to $9,999	0.10%	0.10%
When daily balance is less than or equal to $999	0.05%	0.05%

^ Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. HSA Checking Account dividends are calculated on the full balance using the highest applicable dividend rate. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

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Savings IRA Rates**

May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Minimums and Terms	Dividend Rate	Annual Percentage Yield
No minimum balance	0.20%	0.20%

** Rates are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements and Schedule of Fees and Service Charges.

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Regular Certificates Rates and QuickStart Certificates Rates***

Regular Certificates Rates – Minimum balance of $500 is required to open your account.

QuickStart Certificates Rates – For members under age 23, minimum balance of $100 is required to open your account.

Terms / Features	Our Best Rates
	Dividend Rate	Annual Percentage Yield
60 months.	2.47%	2.50%
48 to 59 months.	1.98%	2.00%
36 to 47 months.	1.49%	1.50%
24 to 35 months.	1.09%	1.10%
12 to 23 months. Add-ons permitted for 12-month term.	1.00%	1.00%
6 to 11 months. Add-ons permitted.	0.84%	0.84%
3 to 5 months. Add-ons permitted.	0.50%	0.50%

Rates shown are with Relationship Checking relationship. Without Relationship Checking relationship you'll earn .25% less than rates shown above.

Add-on Feature – You can make unlimited add-ons to your certificate principal on all Regular Certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate. Not available on IRAs.

*** Certificate Account rates are subject to change weekly; but the rate will remain in effect for the term of the certificate once issued. Funds earn dividends from the first business day of deposit through the day of withdrawal, are compounded daily, and posted monthly. "Penalties" apply for early withdrawals. Refer to DCU's Truth-in-Savings Disclosures and Account Agreements, Schedule of Fees and Service Charges and Certificate Account Disclosure and Agreement.

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Jumbo Certificates Rates***

Jumbo Certificates – Minimum balance of $25,000 is required to open your account.
Compare to other jumbo certificates having $90,000 to $100,000 minimums.

Terms / Features	Our Best Rates
	Dividend Rate	Annual Percentage Yield
60 months.	2.57%	2.60%
48 to 59 months.	2.08%	2.10%
36 to 47 months.	1.59%	1.60%
24 to 35 months.	1.19%	1.20%
12 to 23 months. Add-ons to Jumbos permitted for 12-month term.	1.10%	1.11%
6 to 11 months. Add-ons to Jumbos permitted.	0.94%	0.94%
3 to 5 months. Add-ons to Jumbos permitted.	0.60%	0.60%

Rates shown are with Relationship Checking relationship. Without Relationship Checking relationship you'll earn .25% less than rates shown above.

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IRA Certificates Rates ^***

IRA Certificates Rates – Minimum balance of $500 is required to open your account.
May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Terms / Features	Our Best Rates
	Dividend Rate	Annual Percentage Yield
60 months.	2.57%	2.60%
48 to 59 months.	2.08%	2.10%
36 to 47 months.	1.59%	1.60%
24 to 35 months.	1.19%	1.20%
12 to 23 months.	1.10%	1.11%
6 to 11 months.	0.94%	0.94%
3 to 5 months.	0.60%	0.60%

Rates shown are with Relationship Checking relationship. Without Relationship Checking relationship you'll earn .25% less than rates shown above.

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Jump-Up Certificates Rates^***

Product	Terms / Features	Our Best Rates
		Dividend Rate	Annual Percentage Yield
Regular Jump-Up	27 months, $500 minimum.	1.24%	1.25%
Regular Jump-Up	15 months, $500 minimum.	1.04%	1.05%
Jumbo Jump-Up	27 months, $25,000 minimum.	1.34%	1.35%
Jumbo Jump-Up	15 months, $25,000 minimum.	1.14%	1.15%
IRA Jump-Up	27 months, $500 minimum.	1.34%	1.35%
IRA Jump-Up	15 months, $500 minimum.	1.14%	1.15%

Rates shown are with Relationship Checking relationship. Without Relationship Checking relationship you'll earn .25% less than rates shown above.

IRA Jump-Up Certificates may be used for Traditional, Roth, SEP, and SIMPLE accounts.

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797