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SHARE & IRA CERTIFICATE RATES
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Rates Are Subject To Change Weekly - Rates Effective: October 28, 2008
***NWS Federal Credit Union's Certificate dividend will be paid either monthly or at maturity. The dividend rates are subject to change weekly and are fixed for the term of the certificate. A penalty will be imposed for the early withdrawal.***
Minimum Amount Required To Open Cert.
Term (Months)
Penalty For Early Withdrawal
Dividend Rate
APY
Short Term
$500.00 3 Months 30 Days Interest
2.15 %
2.17 %
$500.00 6 Months 30 Days Interest
2.50 %
2.53 %
$500.00 12 Months 90 Days Interest
2.75 %
2.78 %
$500.00 18 Months 90 Days Interest
3.00 %
3.04 %
$500.00 24 Months 90 Days Interest
3.30 %
3.35 %
$500.00 36 Months 90 Days Interest
3.50 %
3.56 %
$500.00 48 Months 90 Days Interest
3.75 %
3.82 %
Long Term
$500.00 60 Months 365 Days Interest
4.10 %
4.18 %
 
DEPOSITS ARE INSURED TO $250,000.00 BY THE NCUSIF (NATIONAL CREDIT UNION SHARE INSURANCE FUND) Certificate IRAs are available at the above rates. Subject to change.

IRA Share Deposit Dividend Rate(compounded monthly)
(effective 10/2008)
1.75%, APY 1.76%,

Savings Dividend Rate (compounded quarterly):
Share, $200.00 - 9,999.99 - .75 %, (APY .75 %);
Share, $10,000.00 - 1.25 %, (APY 1.26 %);
Draft, 0.00 %; Club I, .75 %(APY .75 %); Club II, .75 %(APY .75 %);
Club X, .75 %(APY .75 %)

PLEASE CALL 887-2452 (MAIN OFFICE) FOR ADDITIONAL INFORMATION.


LOAN RATES & INFORMATION