Savings Rates

Not a single penny of insured savings has ever been lost
by a member of a federally insured credit union.

Your savings at Altra are federally insured to $250,000 with IRA accounts
insured separately for an additional $250,000. Insured accounts include all
Savings, Checking, Money Market, Certificate and Club Accounts.

Altra savings accounts can be set up for automatic deposits
and most can be used for overdraft protection.

The National Credit Union Share Insurance Fund (NCUSIF), is a federal fund backed by the full faith and credit of the U.S. Government.

All rates effective Nov. 11, 2009, and subject to change. Please call 800-755-0055 for current information.
	Checking Money Market Youth Certificates Certificates / IRA Certificate s	Savings Health Savings Account Basic Deposit Insurance Coverage NCUSIF Insurance

A+ Checking		Up to topp
A+ Balance	Dividend Rate for qualifying accounts	Annual Percentage Yield
Up to $25,000	3.445%	3.50%
Over to $25,000	0.747%	0.75%
Qualifying accounts get up to $20 in ATM fee refunds from any U.S. ATM monthly.

A+ Checking available for personal accounts only; one A+ Checking account per member. Please click here for complete disclosure information.

Platinum Checking		Up to topp
Average Daily Balance	Dividend Rate	Annual Percentage Yield
$25,000-$74,999	1.193%	1.20%
$75,000 & over	1.391%	1.40%

No monthly service charge if $25,000 average daily balance is maintained. $10.00 monthly fee if average daily balance falls below $25,000. Platinum Checking accounts under the required minimum balance earn a dividend rate of 0.499% with a 0.50% APY. Dividend Rates subject to change.

Premium Checking		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$500 average daily	0.499%	0.50%

No monthly service charge if $500 average daily balance is maintained. $5.00 monthly fee if average daily balance falls below $500. Dividend Rate subject to change.

Business Checking with Dividends		Up to topp
Daily Minimum Balance	Dividend Rate	Annual Percentage Yield
$5,000 - $9,999	0.698%	0.70%
$10,000 - $19,999	0.896%	0.90%
$20,000+	1.094%	1.10%

No monthly service charge if $2,000 daily balance is maintained. Dividends earned on balances $5,000 or greater. $15.00 monthly fee if daily balance falls below $2,000. Dividend Rate subject to change.

Traditional Money Market		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$2,500 - $9,999	0.995%	1.00%
$10,000 - $19,999	1.094%	1.10%
$20,000+	1.193%	1.20%

All Money Market accounts under the required minimum balance earn a dividend rate of 0.499% with a 0.50% APY. Dividend Rates subject to change.

Platinum Money Market		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$35,000 - $49,999	1.193%	1.20%
$50,000 - $74,999	1.292%	1.30%
$75,000 - $99,999	1.391%	1.40%
$100,000 - $149,999	1.490%	1.50%
$150,000+	1.588%	1.60%

All Money Market accounts under the required minimum balance earn a dividend rate of 0.499% with a 0.50% APY. Dividend Rates subject to change.

SPECIAL Grow Green Youth Certificate			Up to topp
Term	Minimum Balance	Dividend Rate	Annual Percentage Yield
Child's 18th birthday*	$25	7.254%	7.50%
• Available for Altra members age 12-17 • Term will vary - certificate maturity date is the child's 18th birthday • $25 minimum deposit required • Certificate can only be in a child's name • Only one certificate per child can be opened • Certificate can be added to at any time, up to the limit of $1,000

*Rate subject to change. Penalty of 100% of earned dividendswill be imposed for withdrawal before child's 18th birthday. Additional Youth Certificates that earn Altra's published Certificate rates can be set up under the Uniform Transfer to Minors Act (UTMA) with no maximum.

Youth Certificates			Up to topp
Term	Minimum Balance	Dividend Rate	Annual Percentage Yield
see below	$250	see below	see below
For Altra members under age 18. Youth Certificates available with $250 minimum balance and can be added to at any time; same rates and terms as $1,000 minimum balance Certificates. See above section for rates and terms.

Certificate & IRA Certificate

Up to topp

Term

Minimum Balance

Dividend Rate

Annual Percentage Yield

60 months

$1,000

2.575%

2.60%

$50,000

2.673%

2.70%

$100,000

2.771%

2.80%

48 months

$1,000

2.575%

2.60%

$50,000

2.673%

2.70%

$100,000

2.771%

2.80%

36 months

$1,000

2.280%

2.30%

$50,000

2.379%

2.40%

$100,000

2.477%

2.50%

24 months

$1,000

1.985%

2.00%

$50,000

2.084%

2.10%

$100,000

2.182%

2.20%

Special Step Up

18 months***

$1,000

2.477%

2.50% with checking

1.985%

2.00% without checking

12 months

$1,000

1.590%

1.60%

$50,000

1.689%

1.70%

$100,000

1.788%

1.80%

*Special

8 months **†

$1,000

1.788%

1.80% with checking

1.294%

1.30% without checking

6 months †

$1,000

1.195%

1.20%

$50,000

1.294%

1.30%

$100,000

1.393%

1.40%

†6 and 8 month terms not available for IRA Certificates. Penalty may be imposed for withdrawals made before maturity from all Certificates. Dividend Rates subject to change.

**APY (Annual Percentage Yield) based on checking with direct deposit. Rate will revert to "No Checking" APY shown if no direct deposit during the month.

*****APY (Annual Percentage Yield) based on checking with direct deposit. Rate will revert to "No Checking" APY shown if no direct deposit during a cycle. Penalty for early withdrawal. Step Up Certificate allows a one-time rate change any time during the certificate term based on the then advertised rate for same term. You may also make an additional deposit to the certificate any time during the certificate term up to the original certificate deposit, not to exceed $50,000. Savings federally insured by NCUA to $250,000 with IRA Savings insured separately for an additional $250,000. Based on account ownership, you may be eligible for more insurance coverage on your savings. Contact Altra for complete details.

Health Savings Accounts		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$0 - $4,999	1.736%	1.75%
$5,000+	1.982%	2.00%

Dividend Rate subject to change.

High Rate Savings		Up to topp
Average Daily Balance	Dividend Rate	Annual Percentage Yield
$25,000-$74,999	1.193%	1.20%
$75,000 & over	1.391%	1.40%

High Rate Savings accounts under the required minimum balance earn a dividend rate of 0.499% with a 0.50% APY. Dividends paid monthly. Dividend Rates subject to change

IRA Savings		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
No Minimum required	1.982%	2.00%

Dividend Rates subject to change.

Club Savings Account		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$0	0.300%	0.30%

Dividend Rate subject to change.

Regular / Special Savings		Up to topp
Minimum Balance	Dividend Rate	Annual Percentage Yield
$5.00	.300%	0.30%

$5 required minimum balance represents your share in Altra Federal Credit Union. Dividend Rate subject to change.