HCSECU

:: FOR LOAN RATES, PLEASE VISIT THE FINANCING SITE ::

Please Note IRA Rates Are .25% APY Higher Than Listed Below

Certificate Accounts	(APY) *	Rate

Promotional Certificates
5 Months	2.50	2.48
11 Months	2.70	2.67
17 Months	2.80	2.77

2 Years	2.85	2.82
3 Months	2.00	1.99

Ladder Certificate
Year- 3	5.00	4.91
Year- 2	4.00	3.94
Year- 1	3.00	2.97

Non-term accounts			Minimum Balance

Share & Holiday	0.00	0.00	$5.00
Escrow	0.25	0.25	$0.00
Share & Holiday (that earn dividends)	0.25	0.25	$100.00
Member One	0.00	0.00	$5.00
Member One (that earn dividends)	0.50	0.50	$100.00
Share Draft Account	0.00	0.00	n/a
Money Market	0.50	0.50	$1,000.00
	1.00	1.00	$10,000.00
^ Thrifty Fifty Share Draft Account	0.50	0.50	$0.00

All Certificates have a minimum balance of $1000.00 with the exception of the 3 month certificate and the PRD certificate account. The 3 month certificate has a minimum balance of $500.00. The PRD certificate requires a regular monthly deposit as specified at the initiation of the account with a minimum beginning balance of $1.00.
All certificates with the exception of the ladder certificate will automatically renew for the same term at the BASIC RATE for regular share certificates, unless you add more money at the time of renewal.
The new rate will be available on the maturity date.

YOUR SAVINGS ARE FEDERALLY INSURED TO $250,000 BY THE NATIONAL CREDIT UNION ADMINISTRATION, A U.S. GOVERNMENT AGENCY COMPLETE DISCLOSURES ARE AVAILABLE UPON REQUEST

Rates as of October 24, 2008 are subject to change without notice. For complete details on rates and services, please speak to our investment staff. We have discontinued new Member One Accounts as of 06/01/2001.

*APY = Annual Percentage Yield

^ Thrifty Checking Requirements: 1. Must be 50 years of age or older. 2. Must have either payroll deduction or direct deposit.