College Credit Union - Individual Retirement Accounts - IRAs

2901 S. 27th Avenue and 1503 9th Avenue, Greeley, CO 80631
(970) 330-3900   TOLL FREE (866) 870-3150   FAX: (970) 330-3609

Individual Retirement Accounts

Rates as of January 15, 2008

Individual Retirement Share Certificates (Traditional IRAs, Roth IRAs, Education IRAs)
	Dividend Rate	APY	Minimum Opening Balance	Minimum Required Balance	Compounding Frequency	Early Withdrawal Penalty
6 months	4.31%	4.40%	$1,000.00	$1,000.00	Monthly	90 days of dividends
12 months	4.41%	4.50%	$1,000.00	$1,000.00	Monthly	90 days of dividends
18 months	4.51%	4.60%	$1,000.00	$1,000.00	Monthly	120 days of dividends
24 months	4.55%	4.65%	$1,000.00	$1,000.00	Monthly	120 days of dividends
36 months	4.65%	4.75%	$1,000.00	$1,000.00	Monthly	180 days of dividends
48 months	4.70%	4.80%	$1,000.00	$1,000.00	Monthly	180 days of dividends
60 months	4.75%	4.85%	$1,000.00	$1,000.00	Monthly	180 days of dividends
IRA Share Account	0.50%	0.50%	$50.00	$50.00	Monthly	N/A
These are variable rate accounts and may be changed at any time, in any amount, at the sole discretion of College Credit Union. The dividend rate and APY are the prospective rates and yields that the credit union anticipates paying for the applicable dividend period. No addition deposits can be made to IRA to Regualr Share Certificates during the term. IRA Share Account - $50.00 minimum deposit is required. Minimum of $50.00 deposits can be added anytime.

The dividend rates and yields set forth above are accurate as the effective date indicated on this document. If you wish to obtain current rate information, please call the credit union. The Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of dividends paid on an account based on a dividend rate and the frequency of compounding for a 365-day period. Normally, no notice of intent to withdraw shares is required; however, the Bylaws of College Credit Union of Greeley give the credit union the authority to require notice of up to sixty (60) days for the withdrawal of shares.

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Notice: See Membership and Account Agreement for additional Truth-In-Savings disclosures and account information.