Luso Federal Credit Union
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Savings

Rates are effective as of Monday, May 5, 2008
Rates are subject to change without notice.


Term Share/IRA Certificate
Terms Term Share Minimum Balance IRA Minimum Balance Dividend Rate APY
3-Month Term $500.00 $250.00 1.98% 2.00%
4 Month Special $500.00 N/A 2.71% 2.75%
This account is subject to early withdrawal penalties.
4-Month Term $500.00 $250.00 1.98% 2.00%
5-Month Term $500.00 $250.00 1.98% 2.00%
6-Month Term $500.00 $250.00 2.23% 2.25%
7-Month Term $500.00 $250.00 2.23% 2.25%
8-Month Term $500.00 $250.00 2.23% 2.25%
9-Month Term $500.00 $250.00 2.47% 2.50%
10-Month Term $500.00 $250.00 2.47% 2.50%
11-Month Term $500.00 $250.00 2.47% 2.50%
12-Month Term $500.00 $250.00 2.47% 2.50%
13-Month Term $500.00 $250.00 2.47% 2.50%
15-Month Term $500.00 $250.00 2.47% 2.50%
18-Month Term $500.00 $250.00 2.71% 2.75%
20-Month Term $500.00 $250.00 2.71% 2.75%
24-Month Term $500.00 $250.00 2.71% 2.75%
30-Month Term $500.00 $250.00 2.96% 3.00%
36 Month "WIN-WIN" Special $500.00 N/A 3.68% 3.75%
Ask for details!
This account is subject to early withdrawal penalties.
36-Month Term $500.00 $250.00 2.96% 3.00%
48-Month Term $500.00 $250.00 2.96% 3.00%
60-Month Term $500.00 $250.00 3.44% 3.25%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
The "Jump Up" CD
All members who get a CD 12 months or more will get a "Jump-Up" coupon. Any time during the CD they may come in and get a higher rate with no penalty.
• Coupon must be presented to the credit union to take advantage of this one-time rate increase option.
• Coupon valid on certificates of deposit in denominations of 12- month and over terms only.




Advantage Term Share/IRA Certificate
Minimum Balance Dividend Rate APY
48 Month Certificate
$50,000.00 and over
3.20% 3.25%
60 Month Certificate
$50,000.00 and over
3.44% 3.50%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
• Advantage Term Share / IRA account requires a minimum of $50,000.00 advantage share savings.
• Advantage dividend rate qualifies with $100,000.00 in total combined Credit Union account balances.




30-Day Term Share Certificate
Minimum Balance Dividend Rate APY
$50,000.00 and over 2.47% 2.50%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
• Thirty Day Term Share account requires an active NOW money market account.




Match Rate Policy
Match Rate Policy
Luso Federal Credit Union proudly offers a new service that allows you to obtain the best rates on your savings or lending products, guaranteed. Here's How It Works: Find a better rate with one of our competing financial institutions (local area only) on any of our savings or lending products, and we will match it! Proof of authenticity is required. Some restrictions may apply. Match rate policy is contingent on management approval.






Fees may reduce earnings on the account. Please see “Fee Schedule” for more information. Unlimited FREE ATM access with a LUSO Federal Credit Union ATM and/or VISA debit card. FREE Internet Banking and Online Bill Payment Services. Please Note: Transactions at non-LUSO ATM Locations include SUM Network ATM locations. In addition, for non-LUSO non-SUM ATM transactions, the institution that owns the terminal (or the network) may also assess a fee (surcharge) at the time of your transaction, including for balance inquiries.

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Luso Federal Credit Union