Share Certificate Rates

Current Dividend Rates as of November 21, 2008

Certificate Special #1

Term

60 months

Dividend Rate	4.41%
APY*	4.50%

Minimum balance to open is $500

Share Certificates, IRA Share Certificates and Health Savings Account Share Certificates - Account Balance of $500.00 - $9,999.99

Term

91
Days

6
Months

9
Months

12
Months

18
Months

24
Months

30
Months

36
Months

48
Months

60
Months

Dividend Rate	1.93%	2.08%	2.08%	2.18%	2.33%	2.47%	2.67%	2.86%	3.30%	3.54%
APY*	1.95%	2.10%	2.10%	2.20%	2.35%	2.50%	2.70%	2.90%	3.35%	3.60%

Minimum balance to open is $500

Share Certificates, IRA Share Certificates and Health Savings Account Share Certificates - Account balance of $10,000.00 - $49,999.99

Term

91
Days

6
Months

9
Months

12
Months

18
Months

24
Months

30
Months

36
Months

48
Months

60
Months

Dividend Rate	1.98%	2.13%	2.13%	2.23%	2.37%	2.52%	2.72%	2.91%	3.35%	3.59%
APY*	2.00%	2.15%	2.15%	2.25%	2.40%	2.55%	2.75%	2.95%	3.40%	3.65%

Minimum balance to open is $10,000

Jumbo Share Certificates, IRA Share Certificates and Health Savings Account Share Certificates - Account balance of $50,000.00 and above

Term

91
Days

6
Months

9
Months

12
Months

18
Months

24
Months

30
Months

36
Months

48
Months

60
Months

Dividend Rate	2.08%	2.23%	2.23%	2.33%	2.47%	2.62%	2.81%	3.01%	3.45%	3.69%
APY*	2.10%	2.25%	2.25%	2.35%	2.50%	2.65%	2.85%	3.05%	3.50%	3.75%

Minimum balance to open is $50,000

FlexSmart Certificate

Term

60 Month

Dividend Rate	3.59%
APY*	3.65%

Minimum balance to open is $500

AddSmart Certificate

Term

60 Month

Dividend Rate	3.59%
APY*	3.65%

Minimum balance to open is $500

Early Withdrawal Penalties

Term

Penalties

Less Than 1 Year	90 Days Dividends
1 Year to 3 Years	180 Days Dividends
Greater Than 3 Years	270 Days Dividends

* APY - Annual Percentage Yield

Qualified accounts insured up to $350,000. $100,000 in federal insurance provided by NCUA and an additional $250,000 in private insurance provided by ESI.

Rates and terms subject to change. Consult the Important Account Information Brochure for more account information.

See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information.

For more information call Member Services at: 317.916.7700 or 800.47.FCFCU.