Savings Certificates
Rates effective as of February 14, 2008

                                                                          Minimum
Account Type                                        Rate       APY      Deposit

1 Month Certificate of Deposit            2.05     2.10      $500.00
3 Month Certificate of Deposit            2.42     2.45      $500.00
6 Month Certificate of Deposit            3.43     3.48     $500.00
12 Month Certificate of Deposit          3.30     3.35      $500.00
18 Month Certificate of Deposit          3.35     3.40       $500.00
24 Month Certificate of Deposit          3.45     3.50       $500.00
36 Month Certificate of Deposit          3.49     3.55       $500.00
60 Month Certificate of Deposit          3.55     3.61       $500.00

12 Month Individual Retirement Account         3.30       $1,000.00
24 Month Individual Retirement Account         3.45       $1,000.00
36 Month Individual Retirement Account         3.49       $1,000.00
60 Month Individual Retirement Account         3.88       $1,000.00
120 Month Individual Retirement Account       4.909      $1,000.00
Accumulative IRA                                         .50        $50.00

**  There is a 90 day penalty for early withdrawal which could reduce the potential earnings on your certificate.

**  Accrued dividends will not be paid if certificate accounts are closed before the accrued dividends are paid.

Calculation of dividends on  certificates

     Dividends are calculated using the Daily Balance Method.  A daily periodic rate is applied to your account each day and dividends will begin to accrue on the business day you deposit both cash and noncash deposits to your account.   

                                                                                     Minimum Balance
Share Draft                                    .75                  $500.00
Share Account                                .50                  $50.00
Christmas Club                                .60                  $50.00

These rates are subject to change without notice. All rate information should be confirmed with First Choice Community Credit Union. before entering into transactions.  For more information concerning rates, terms, and fees, contact FCCCU at (330) 652-3887.