WestStar Credit Union - Savings Rates

Investments & Retirement Rates
Product	Tiered Minimum	Tiered Maximum	Dividend Rate	APY*
Money Market	$5,000	$24,999.99	0.15%	0.15%
	$25,000	$99,999.99	0.25%	0.25%
	$100,000 +	-	0.50%	0.50%
IRA Shares	$500	$24,999.99	0.15%	0.15%
	$25,000	$99,999.99	0.25%	0.25%
	$100,000 +	-	0.50%	0.50%

Term Certificate Rates
Term	Minimum Balance	Dividend Rate	APY*
3 month	$500	0.35%	0.35%
6 month	$500	0.45%	0.45%
1 year	$500	0.75%	0.75%
2 year	$500	0.80%	0.80%
3 year	$500	0.90%	0.90%
4 year	$500	1.14%	1.15%
5 year	$500	1.29%	1.30%
Rate bonus can be earned with the Royal Advantage program. Click here to learn more.

Savings Accounts Rates
Product	Minimum Balance	Min Dividends Balance	Dividend Rate	APY*
Primary Share Savings	$25	$500	0.05%	0.05%
Christmas Club	$0	$500	0.05%	0.05%
Other Share Savings	$0	$500	0.05%	0.05%
Comet Kids Club	$25	$25	0.05%	0.05%
	Rates effective as of			11/01/09

NCUA - National Credit Union Administration, a U.S. Government Agency. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

APY = Annual Percentage Yield.
All rates and programs are subject to change.
APY is accurate as of the date of publication and is subject to change without notice.
Penalty may be imposed for withdrawals prior to maturity.
Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Please refer to "Important Information Regarding Your Account" brochure for additional account disclosures.
Please refer to our separate fee schedule for additional information about fees and charges.
You must complete one share in your Regular share account as a condition of admission to membership and eligibility for any additional services. The credit union has the right to transfer from any share account, share draft account or term certificate (excluding IRA) to offset any debt.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

**The APY is the percentage rate paid on the certificate based on the dividend/interest rate and frequency of compounding for the term of the certificate. Interest will be calculated daily, compounded and credited monthly using the daily balance method. Minimum balance of $500 required to open. Fixed 3% rate is valid on 1 year IRA Term Certificates opened thru April 15, 2009. Penalties may be imposed for failure to comply with the terms and conditions of the IRA Term Certificate outlined in the Important Account Information for Our Members booklet. Individual Retirement Accounts (IRAs) are subject to limitations in accordance with the Internal Revenue Service Rules and Regulations. The IRA Term Certificate will automatically renew at the specified term and current rate at the time of maturity. Your shares are federally insured to at least $250,000 and are backed by the full faith and credit of the United States Government.