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This Rate Schedule states rates applicable to specified accounts and fees
common to all accounts. This schedule is incorporated as a part of your
account agreement with Organized Labor Credit Union.
For purposes of this disclosure, the dividend rate and annual percentage
yield stated for the term share accounts were offered within the most recent
seven calendar days and were accurate as of
12/18/2008 . Please call (209)
527-8731 to obtain current rate information.
| Account Name |
Rate Type |
Minimum Opening
Balance |
Minimum To Earn
Dividend |
Dividend Rate |
Annual
Percentage Yield |
Dividend
Declaration Date |
| Regular Share less than $200 |
Variable |
$50 |
$50 |
.01 % |
.01 % |
12/17/2008 |
| $200.01 to $1,000 |
Variable |
$50 |
$50 |
.50 % |
.50 % |
12/17/2008 |
| $1000.01 to $20,000 |
Variable |
$50 |
$50 |
0.75 % |
.75 % |
12/17/2008 |
| Reg shares over $20,000 |
Variable |
$50 |
$50 |
1.00 % |
1.00% |
12/17/2008 |
| Club Accounts |
Variable |
$1 |
$1 |
1.00 % |
1.00 % |
12/17/2008 |
| IRA Share |
Variable |
$1 |
$1 |
1.50 % |
1.51 % |
12/17/2008 |
| Share Draft |
Variable |
$100 |
$500 |
.25 % |
.25 % |
12/17/2008 |
| 3 mo. Share Cert |
Fixed |
$1,000 |
$1,000 |
1.50 % |
1.51 % |
12/17/2008 |
| 6 mo. Share Cert |
Fixed |
$1,000 |
$1,000 |
1.75 % |
1.76 % |
12/17/2008 |
| 7 mo. Share Cert |
Fixed |
$1,000 |
$1,000 |
2.50 % |
2.53 % |
11/18/2008 |
| 12 mo Share Cert |
Fixed |
$1,000 |
$1,000 |
2.15 % |
2.17 % |
12/17/2008 |
| 18 mo Share Cert |
Fixed |
$1,000 |
$1,000 |
2.15 % |
2.17 % |
12/17/2008 |
| 24 mo Share Cert |
Fixed |
$1,000 |
$1,000 |
2.25 % |
2.27 % |
12/17/2008 |
| IRA 12 mo Cert |
Fixed |
$10,000 |
$10,000 |
1.75 % |
1.76 % |
12/17/2008 |
| IRA 24 mo Cert |
Fixed |
$10,000 |
$10,000 |
2.00 % |
2.02 % |
12/17/2008 |
Members' accounts are insured by the National Credit Union Administration up
to $100,000.
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