Savings, Checking and IRA Savings Rates

Savings Accounts	*APY	Checking Accounts	*APY	IRA Savings Accounts	*APY
Dividend Rate as of Last Dividend Declaration Date	1.00%	Dividend Rate as of Last Dividend Declaration Date	.50%	Dividend Rate as of Last Dividend Declaration Date	3.00%
*Annual Percentage Yield as of last Dividend Declaration Date	1.01%	*Annual Percentage Yield as of last Dividend Declaration Date	.50%	*Annual Percentage Yield as of last Dividend Declaration Date	3.03%
Prospective Dividend Rate	.75%	Prospective Dividend Rate	.10%	Prospective Dividend Rate	3.00%
Prospective Annual Percentage Yield	.75%	Prospective Annual Percentage Yield	.10%	Prospective Annual Percentage Yield	3.03%
Minimum Opening Balance	$25	Minimum Opening Balance	$25	Minimum Opening Balance	$25
Minimum Balance Required	$25	No Service Charge	FREE	Minimum Balance Required	$25
Minimum Balance to Earn a Dividend	$100	Minimum Balance to Earn a Dividend	$100	Minimum Balance to Earn a Dividend	$25

AAFES Federal Credit Union uses the Daily Balance of 'Day In/Day Out' method of calculating dividends on all accounts.  This method applies a daily periodic rate to the principal in the account each day.  Dividends are credited to all accounts on the first day following the end of the dividend period.  Fees could reduce the earnings on the account.  The above rates are effective as of January 01, 2009.

Rates are subject to change.

Your Savings are Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, a U.S. Government Agency.