Dividend Declaration Date: May 1, 2008
The annual percentage yield (APY) assumes that dividends will remain on deposit; withdrawals and fees will reduce earnings. The Dividend Rate and Annual Percentage Yield are variable and may change every dividend period as determined by the credit union's Board of Directors. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the business day of your deposit. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. If an account is closed before dividends are credited, it will not receive accrued dividends. Tiered Accounts: Dividends are paid on the entire balance in the account at the rate that corresponds to that tier. Dividends earned on excess contributions to your Health Savings Plan will be reported according to IRS rules.
Account Terms (Membership Share, You-Name-It Savings, IRA Share, Checking, Money Manager & CU Succeed Money Manager): The dividend period is monthly. Dividends will be compounded monthly and will be credited monthly. For example, the beginning date of the first dividend period of the calendar year is May 1 and ending date of such dividend period is May 31. Money Manager & CU Succeed Money Manager Accounts Only: During any calendar month, you may not take more than six withdrawals. If you exceed three within a calendar month, your account may be assessed a $3.00 fee per withdrawal. Excessive withdrawals may result in account closure.
(1) Must maintain Membership Share Account minimum balance.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, a U.S. government agency. IRAs separately insured up to $250,000 by the NCUA.

Dividend Rate and Annual Percentage Yield are accurate as of .
Certificate Terms: Dividends are compounded quarterly. If you close a Certificate before dividends are credited, you will receive accrued dividends. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the business day you deposit to your account. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Rate and Annual Percentage Yield are variable and are determined by the Board of Directors with the rate being in effect for the term of the Certificate. Early withdrawal penalties may be imposed if you withdraw any of the funds before maturity date. The penalty will equal 30 days' dividends on Certificates with a term of one year or less and 90 days' dividends on Certificates with a term of more than one year. If there are not sufficient dividends to cover the penalty, the penalty will be deducted from the principal.
Renewal Policies & Grace Period: Certificates will automatically renew at maturity and will not have a grace period.
IRA Certificates: Available for 12, 24 and 36 month terms only. Available types include Traditional, Roth Conversion, and Coverdell Education Savings Account.
+ Must be a CU Succeed or Clown Club member to qualify (ages 17 or younger). (1) Must maintain Membership Share Account minimum balance.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, a U.S. government agency. IRAs separately insured up to $250,000 by the NCUA.

Rates effective May 1, 2008, subject to change without notice. Arizona Central Credit Union is an ECOA lender. (1) Up to 100% of purchase price or retail book for those who qualify, 1998 & newer. (2) Up to 110% of wholesale value.

Rates effective May 1, 2008, subject to change without notice. Arizona Central Credit Union is an Equal Housing Lender. (1) Rate is based on an 80% Loan To Value (LTV). Your rate may be higher depending upon your creditworthiness and LTV. Account set-up fees include $50 documentation and $14 flood determination. Additional fees, ranging from $150 - $800 may be required for title search and appraisal. HELOC Only: Introductory Rate is fixed for first 6 months and is calculated by subtracting 1% from your qualifying rate. Thereafter, rate is variable and may change monthly. Rate based on Prime as published in The Wall Street Journal. Maximum APR is 18% or the maximum permitted by law, whichever is less. The minimum credit advance is $5,000 for the first advance and $500 for each subsequent advance.

Rates effective May 1, 2008, subject to change without notice. Arizona Central Credit Union is an ECOA lender.