Rates and Yields Share and Checking Accounts This rate schedule is incorporated as a part of your account agreement, as a credit union member, with Spectrum Federal Credit Union. For purposes of this disclosure, the dividend rate and annual percentage yield stated for the term share accounts listed were offered within the most recent seven calendar days and were accurate as of their stated effective date. All other dividend rates and APYs were accurate as of the last dividend declaration date. NOTE: All deposit accounts are insured in a cumulative balance up to $350,000. Accounts are insured to $100,000 by the National Credit Union Administration, a U.S. Government agency. Deposit accounts are insured for an additional $250,000 by ASI (American Share Insurance). IRAs are also insured separately for an additional $250,000. Substantial interest penalties apply for early withdrawal. Rates subject to change without notice. Fees may reduce earnings. Share and Checking Accounts display minimums and Annual Percentage Yields. These are all variable rate accounts (except Simple, Direct, My Life and Global Checking Accounts which do not earn dividends). Rates effective as of May  06, 2008. Rates are subject to change without notice. Please check with your local branch for the most current rates. Account Name Minimum Balance to Open Minimum Balance to Earn Dividend Interest Annual Percentage Yield Dividend Approval Date Regular Share    $25   $25 0.40% 03/25/2008 Kirby Share    $10   $0 0.40% 03/25/2008 My Life Share    $25   $0 0.40% 03/25/2008 Sub Share    $0   $25 0.40% 03/25/2008 Holiday/Vacation Club    $0   $25 0.40% 03/25/2008 IRA Share    $0   $25 0.40% 03/25/2008 Prism Checking    $100   $1000 0.15% 03/25/2008 Simple Checking    $100   n/a n/a Direct Checking    $100   n/a n/a My Life Checking    $25   n/a n/a Global Checking    $50   n/a n/a Updated by Manuel on 05/06/2008 9:48:33