Westerly Community Credit Union [Deposit Rates] -

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Deposit Rates

Program	Term	APY
Certificates of Deposit* (Effective: Thursday, July 24, 2008)
CDs	3 months	1.850%
	6 months	2.000%
	12 months	2.750%
	18 months	2.350%
	24 months	3.500%
	36 months	3.400%
	48 months	4.050%
	60 months	4.250%

IRAs	3 months	1.850%
	12 months	2.750%
	18 months	2.350%
	24 months	3.500%
	36 months	3.400%
	48 months	4.050%
	60 months	4.250%
*(APY) Annual Percentage Rate subject to change at any time. A penalty will or may be imposed for early withdrawal. $500 minimum balance to open. Rates shown reflect a 0.10% rate increase for Members in the Members Advantage Program. See a Member Service Representative for details.

Checking Accounts*
(Effective: Thursday, July 24, 2008)

Program

Minimum Daily Balance
to earn APY

High Interest Checking

$2,500.00	to	$9,999.99	0.500 %
$10,000.00 and above			1.000 %

*Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings.

Saving & Money Market Accounts*
(Effective: Thursday, July 24, 2008)

Program

Minimum Daily Balance
to earn APY

APY

Share Savings Account

$25.00

0.560%

IRA Savings Account

(Minimum balance to open $25. Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions.)

$25.00	to	$4,999.99	1.000 %
$5,000.00	to	$9,999.99	1.750 %
$10,000.00 and above			2.500 %

High Interest Share
Savings Account

$25.00	to	$9,999.99	0.300 %
$10,000.00 and above			0.750 %

Rewards Savings Account

(No monthly service charges. Rate based on total balances under Primary Owner�s number- savings and loans. Interest is compounded & posted monthly based on total balances shown on last business day of the month.)

$0.00	to	$2,499.99	0.250 %
$2,500.00	to	$9,999.99	0.250 %
$10,000.00	to	$24,999.99	1.500 %
$25,000.00	to	$49,999.99	2.000 %
$50,000.00 and above			2.250 %

Money Market Account

(Minimum to open is $2,500. No monthly fees if minimum balance of $2,500 met, otherwise a fee of $12.00.)

$0.00	to	$2,499.99	0.000 %
$2,500.00	to	$9,999.99	0.250 %
$10,000.00	to	$24,999.99	0.350 %
$25,000.00	to	$49,999.99	0.500 %
$50,000.00 and above			0.750 %

High Interest Money
Market Account

(Minimum to open is $2,500. No monthly service charge if minimum balance of $10,000 is maintained, otherwise there is a $25.00 monthly fee.)

$0.00	to	$9,999.99	0.500 %
$10,000.00	to	$24,999.99	1.750 %
$25,000.00	to	$49,999.99	2.250 %
$50,000.00	to	$74,999.99	2.500 %
$75,000.00	to	$99,999.99	2.750 %
$100,000.00 and above			3.000 %

WCCU Kids Club
Share Savings Account

$25.00

0.560%

*Annual Percentage Yield (APY) subject to change without notice. Fees may reduce earnings.

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