Rates as of July 31, 2011

Savings Accounts

0.05%

0.05%

High Yield Youth Savings*

0.50%

0.50%

Value Checking

0.02%

0.02%

IRA's

0.05%

0.05%

Minimum $5.00 deposit is required to open a savings account and a minimum balance of $5.00 is required in order to earn dividends.

*0.50% APY paid up to $2,500. The current savings rate is paid on balances over $2,500.

Rates are subject to change after the account is opened. Fees may reduce earnings on the account (see Fee Schedule)

Average daily balance required to earn rate

Prospective Dividend Rate

Prospective Annual Percentage Rate

Up to $9,999.99

0.05%

0.05% prospective APY on the entire average daily balance.

$10,000.00-$24,999.99

0.15%

The prospective dividend rate will be paid only on the portion of your average daily balance that is greater than $9,999.99 but less than $25,000.00 with a prospective APY ranging from 0.05% to 0.11% depending on the average daily balance in this account.

$25,000.00-$49,999.99

0.15%

The prospective dividend rate will be paid only on the portion of your average daily balance that is greater than $24,999.99 but less than $50,000.00 with a prospective APY ranging from 0.11% to 0.13% depending on the average daily balance in this account.

$50,000.00 and above

0.15%

The prospective rate of 0.20% will be paid only on average daily balances over $49,999.99 with a prospective APY of 0.13% on balances up to $50,000.00 and 0.15% on balances over $49,999.99.

Annual Percentage Yield (APY). Dividend rates are subject to change after the account is opened. Prospective Dividend rates and APYs are subject to change. Fees may reduce earnings. You must be a member of Deer Valley Credit Union, have a fully qualified Participation Account, maintain qualification, and your accounts must be kept in good standing. To fully qualify for the Participation Account, you are required to maintain active direct deposit and bill pay (just one bill per month qualifies) and enroll in Remote Banking and eStatements. If your account is not fully qualified, you will receive the Value Checking dividend rate and APY. The prospective Value Checking APY was 0.02% as of July 31, 2011.

Rates are subject to change after the account is opened. Fees may reduce earnings on the account (see Fee Schedule)

$9,999 and below

0.05%

0.05%

$10,000-$24,999

0.05%

0.05%

$25,000-$49,999

0.05%

0.05%

$50,000 and above

0.10%

0.10%

Rates are subject to change after the account is opened. Fees may reduce earnings on the account (see Fee Schedule)

13-wk. share certificate

0.10%

0.10%

$500

91 days

26-wk. share certificate

0.15%

0.15%

$500

182 days

52-wk. share certificate

0.20%

0.20%

$500

364 days

2-yr. share certificate

0.50%

0.50%

$500

730 days

3-yr. share certificate

0.75%

0.75%

$500

1,095 days

5-yr. share certificate

1.51%

1.50%

$500

1,825 days

Dividends are paid and compounded monthly. A penalty may be imposed for early withdrawal. The amount of early withdrawal penalty is 30 days of dividends for terms up to 26 weeks, 60 days of dividends for 52 week terms, 120 days of dividends for 2 year terms, and 180 days of dividends for terms of 3 years or more.