Dividends Declared Monthly - by the Board of Directors

For the month of October 2008
Current Dividend Rates as of November 21, 2008

Interest Checking
Balance	Rate	APY*
$0.00 - $999.99 0.15% 0.15% $1,000.00 - $9,999.99 0.35% 0.35% $10,000.00 - $24,999.99 0.45% 0.45% >$25,000.00 0.70% 0.70%
*APY - Annual Percentage Yield Minimum balance to open is $1,000 Minimum average daily balance to avoid service charge is $1,000 Rate may change after account is opened
Reward Checking
Balance	Rate	APY*
$0.00 - $25,000.00 4.42% 4.51% >$25,000.00 1.01% 1.01% $0.00 and above Not Qualified 0.30% 0.30%
*APY - Annual Percentage Yield Minimum balance to open is $100 1.01% paid on the portion of the balance above $25,000 Rate may change after account is opened
HSA Interest Checking
Balance	Rate	APY*
$0.00 - $999.99 0.15% 0.15% >$1,000.00 0.35% 0.35%
*APY - Annual Percentage Yield Minimum balance to open is $1,000 Minimum average daily balance to avoid service charge is $1,000 Rate may change after account is opened

Qualified account 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.

Fees may reduce earnings. See Truth in Savings, Relationship Rewards, and the Fee Schedule for more information.  for more information.

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