Luso Federal Credit Union
Top Border
Certificate / IRA


Rates are effective as of Monday, June 29, 2009
Rates are subject to change without notice.


"ENHANCED" Term Share or IRA Certificate
Term Minimum Balance Dividend Rate APY
5 Month Special $500.00 1.73% 1.75%
15 Month Special $500.00 2.08% 2.10%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
• This account is subject to early withdrawal penalties.




Term Share/IRA Certificate
Terms Term Share Minimum Balance IRA Minimum Balance Dividend Rate APY
3-Month Term $500.00 $250.00 0.75% 0.75%
4-Month Term $500.00 $250.00 0.75% 0.75%
5-Month Term $500.00 $250.00 0.75% 0.75%
6-Month Term $500.00 $250.00 1.00% 1.00%
7-Month Term $500.00 $250.00 1.00% 1.00%
8-Month Term $500.00 $250.00 1.00% 1.00%
9-Month Term $500.00 $250.00 1.14% 1.15%
10-Month Term $500.00 $250.00 1.14% 1.15%
11-Month Term $500.00 $250.00 1.14% 1.15%
12-Month Term $500.00 $250.00 1.24% 1.25%
13-Month Term $500.00 $250.00 1.24% 1.25%
15-Month Term $500.00 $250.00 1.24% 1.25%
18-Month Term $500.00 $250.00 1.49% 1.50%
20-Month Term $500.00 $250.00 1.49% 1.50%
24-Month Term $500.00 $250.00 1.73% 1.75%
30-Month Term $500.00 $250.00 1.73% 1.75%
36-Month Term $500.00 $250.00 1.98% 2.00%
48-Month Term $500.00 $250.00 2.23% 2.25%
60-Month Term $500.00 $250.00 2.47% 2.50%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.




"30-Day" Term Share Certificate
Term Minimum Balance Dividend Rate APY
30 Days $10,000.00 0.75% 0.75%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
• $10,000.00 Minimum Deposit
• Thirty Day Term Share account requires an active NOW money market account.




"Advantage" Term Share or IRA Certificate
Term Minimum Balance Dividend Rate APY
48 Month Certificate $50,000.00 2.71% 2.75%
60 Month Certificate $50,000.00 2.96% 3.00%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
•$50,000.00 Minimum Deposit
• Advantage Term Share account requires a minimum $50,000.00 combined overall deposit balance and/or an active Share Draft Checking account with an established direct deposit.




"Starter" Term Share Certificate
Term Minimum Balance Maximum Balance Dividend Rate APY
12 Months $250.00 $25,000.00 1.73% 1.75%
• APY: Annual Percentage Yield / This account is subject to early withdrawal penalties.
• $250.00 Minimum Deposit
• Starter Term Share account is available to members up to a maximum age of 18.
• Only one (1) Starter Term Share account allowed per member.





Protect Yourself: Never provide Financial information in response to unsolicited e-mail messages or e-mails that appear to come from NCUA as they would not directly contact credit union members and never ask for personal account information.

Luso Federal Credit Union