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Money Market, HSA Checking,
Certificate, and IRA Rates

Rates effective beginning September 8, 2008. IRA = Individual Retirement Account.

Special Savings and Certificate Offers | Ltd Savings Account

Money Market and Money Market IRAs | HSA Checking Account | Savings IRA

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

Money Market Account and Money Market IRA*

$1,000 minimum balance to earn dividends.
Balance Tiers	Dividend Rate	Annual Percentage Yield
When daily balance is $100,000 or more	2.47%	2.50%
When daily balance is $50,000 to $99,999	2.13%	2.15%
When daily balance is $25,000 to $49,999	2.01%	2.03%
When daily balance is $10,000 to $24,999	1.49%	1.50%
When daily balance is $1,000 to $9,999	1.19%	1.20%

* 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^

Offers a tax advantage to help offset healthcare expenses.
Balance Tiers	Dividend Rate	Annual Percentage Yield
When daily balance is $100,000 or more	2.47%	2.50%
When daily balance is $50,000 to $99,999	2.13%	2.15%
When daily balance is $25,000 to $49,999	2.01%	2.03%
When daily balance is $10,000 to $24,999	1.49%	1.50%
When daily balance is $1,000 to $9,999	1.19%	1.20%
When daily balance is less than or equal to $999	0.25%	0.25%

^ 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**

May be used for Traditional, Roth, SEP, and SIMPLE accounts.
Minimums and Terms	Dividend Rate	Annual Percentage Yield
No minimum balance	0.80%	0.80%

** 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 and QuickStart Certificates***

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

*QuickStart Certificates* – 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.	3.92%	4.00%
48 to 59 months.	3.44%	3.50%
36 to 47 months.	3.20%	3.25%
24 to 35 months.	3.05%	3.10%
12 to 23 months. Add-ons permitted for 12-month term.	2.96%	3.00%
6 to 11 months. Add-ons permitted.	2.71%	2.75%
3 to 5 months. Add-ons permitted.	2.23%	2.25%

Rates shown are with Loyalty Checking Plus relationship. With Loyalty Checking relationship you'll earn ¼% less than rates shown above. Without Loyalty Checking or Loyalty Checking Plus relationship you'll earn ½% less than Loyalty Checking Plus Dividend Rates shown above for terms of 12 months or longer, and a ¼% less on terms under 12 months. Loyalty Checking rate applies to all members under age 23.

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.

Add ¼% to any certificate dividend rate if you have a Loyalty Checking Plus relationship when you add on $5,000 at maturity.

*** 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***

*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.	4.16%	4.25%
48 to 59 months.	3.68%	3.75%
36 to 47 months.	3.44%	3.50%
24 to 35 months.	3.29%	3.35%
12 to 23 months. Add-ons to Jumbos permitted for 12-month term.	3.20%	3.25%
6 to 11 months. Add-ons to Jumbos permitted.	2.95%	3.00%
3 to 5 months. Add-ons to Jumbos permitted.	2.47%	2.50%

Add ¼% to any certificate dividend rate if you have a Loyalty Checking Plus relationship when you add on $5,000 at maturity.

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IRA Certificates ⁺

*IRA Certificates* – 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.	4.40%	4.50%
48 to 59 months.	3.92%	4.00%
36 to 47 months.	3.68%	3.75%
24 to 35 months.	3.53%	3.60%
12 to 23 months.	3.44%	3.50%
6 to 11 months.	3.20%	3.25%
3 to 5 months.	2.72%	2.75%

Add ¼% to any certificate dividend rate if you have a Loyalty Checking Plus relationship when you add on $5,000 at maturity.

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Jump-Up Certificates⁺⁺
Product	Terms / Features	Our Best Rates
		Dividend Rate	Annual Percentage Yield
Regular Jump-Up	27 months, $500 minimum.	3..13%	3.18%
Regular Jump-Up	15 months, $500 minimum.	3.00%	3.05%
Jumbo Jump-Up	27 months, $25,000 minimum.	3.37%	3.43%
Jumbo Jump-Up	15 months, $25,000 minimum.	3.24%	3.30%
IRA Jump-Up	27 months, $500 minimum.	3.61%	3.68%
IRA Jump-Up	15 months, $500 minimum.	3.48%	3.55%

Add ¼% to any certificate dividend rate if you have a Loyalty Checking Plus relationship when you add on $5,000 at maturity.

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