First Choice Community Credit Union, Inc.

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Saving Certificates

Rates effective as of 6/25/2012 *APY/ANNUAL PERCENTAGE YIELD

Account Type	Rate	* APY	Minimum Deposit
1 Month Certificate of Deposit 3 Month Certificate of Deposit 6 Month Certificate of Deposit 12 Month Certificate of Deposit 18 Month Certificate of Deposit 24 Month Certificate of Deposit 36 Month Certificate of Deposit 60 Month Certificate of Deposit 12 Month Individual Retirement Account 24 Month Individual Retirement Account 36 Month Individual Retirement Account 60 Month Individual Retirement Account 120 Month Individual Retirement Account Accumulative IRA	N/A N/A .10 .15 .20 .27 .35 .85 .15 .27 .35 .85 N/A	N/A N/A .10 .15 .20 .27 .35 .85	$500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $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 Share Account Christmas Club	.20 .15 .30	$500.00 $500.00 $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.

First Choice Community Credit Union, Inc.

First Choice Community Credit Union, Inc. - Saving Certificates