Savings & Checking Services

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The following rates are effective on May 13, 2013, and subject to change at any time without notice. For updated information, inquire at any branch office or contact 210-673-5610.

Booster Share Certificate

Term

Minimum Opening
Balance Required

Dividend Rate

Annual Percentage Yield (APY)

1 year

$100.00

0.39%

0.40%

Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Fees*: Penalty will be imposed for early withdrawal. Minimum Deposit: $100.00 minimum for each deposit.

Notice of Change in Terms in Share Certificate Penalty

Effective February 1, 2008 if during the 10-day grace period of the share certificate, you inform Air Force Federal Credit Union of your decision not to renew the certificate, no dividends will be paid for the grace period.
All share certificates issued or renewed effective 7/15/07 will have the following terms for the calculation of the penalty: The early withdrawal penalty will be equal to one half of the dividends that would accrue from the date of the withdrawal to the maturity date applying the contracted rate on the certificate based to the amount withdrawn over and above any dividends credited to the certificate to date of withdrawal.

Bump Up Share Certificate

Term	Minimum Opening Balance Required		Dividend Rate	Annual Percentage Yield (APY)
3 years		$100,000	0.94%	0.95%
		Up to $99,999	0.79%	0.80%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. *Fees: Penalty will be imposed for early withdrawal. Special Feature:** The Bump Up share certificate has a rate enhancement feature. You have the option to request that we increase the nominal rate on your certificate at any time during the initial term of the share certificate to the rate applicable for share certificates issued by Air Force Federal Credit Union as published on its website using the balance of the share certificate at the time the request is made. Once the option is used on the share certificate, it may not be used again. If your certificate automatically renews, the rate enhancement feature will expire if unused.

Certificate Accounts

Term	Minimum Opening Balance Required		Dividend Rate	Annual Percentage Yield (APY)
7 years		$100,000	1.88%	1.90%
		Up to $99,999	1.73%	1.75%
5 years		$100,000	1.53%	1.55%
		Up to $99,999	1.49%	1.50%
3 years		$100,000	1.14%	1.15%
		Up to $99,999	1.04%	1.05%
2 years		$100,000	0.99%	1.00%
		Up to $99,999	0.89%	0.90%
1 year		$100,000	0.74%	0.75%
		Up to $99,999	0.59%	0.60%
6 months		$100,000	0.49%	0.50%
		Up to $99,999	0.39%	0.40%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. *Fees: Penalty will be imposed for early withdrawal. Notice of Change in Terms in Share Certificate Penalty** Effective February 1, 2008 if during the 10-day grace period of the share certificate, you inform Air Force Federal Credit Union of your decision not to renew the certificate, no dividends will be paid for the grace period. All share certificates issued or renewed effective 7/15/07 will have the following terms for the calculation of the penalty: The early withdrawal penalty will be equal to one half of the dividends that would accrue from the date of the withdrawal to the maturity date applying the contracted rate on the certificate based to the amount withdrawn over and above any dividends credited to the certificate to date of withdrawal.

IRA Shares

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
	Up to $25,000.00	.25%	.25%
	$25,000.01 - $50,000.00	.30%	.30%
	$50,000.01 - $100,000.00	.35%	.35%
	$100,000.01 & Up	.40%	.40%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.

Coverdell ESA Shares

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
	Up to $25,000.00	.25%	.25%
	$25,000.01 - $50,000.00	.30%	.30%
	$50,000.01 - $100,000.00	.35%	.35%
	$100,000.01 & Up	.40%	.40%
Dividends Compounded: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.

Money Markets

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
	Up to $2,500.00	.15%	.15%
	$2,500.01 - $25,000.00	.25%	.25%
	$25,000.01 - $50,000.00	.30%	.30%
	$50,000.01 - $100,000.00	.35%	.35%
	$100,000.01 & Up	.40%	.40%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $2,500.00 opening balance required. *Fees:** Minimum balance is $250.00 to avoid fees (fees could reduce earnings).

Savings Accounts

Type	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	$5.00	0.10%	0.10%
Christmas Club	$0.00	0.10%	0.10%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required. *Fees:** Penalty for early withdrawal from Christmas Club account is $10.00 per withdrawal.

Checking Account

Type	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Simple Checking	$0.00	0.05%	0.05%
First Class Checking	$0.00	0.05%	0.05%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $25.00 opening balance required. *Fees:** $9.00 per month for First Class Checking account.

* Fees could reduce earnings.

Health Savings Account (HSA)

	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
	Up to $25,000.00	.25%	.25%
	$25,000.01 - $50,000.00	.30%	.30%
	$50,000.01 - $100,000.00	.35%	.35%
	$100,000.01 & Up	.40%	.40%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Computation Method: Dividends are calculated using the daily balance method. This method applies a daily periodic rate to the principle in the account each day. Limitations: Minimum $5.00 opening balance required.