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Certificate Rates

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Certificate Rates
Effective 05/07/08 to 05/13/08

Term	Annual Percentage Yield	Dividend Rate	Minimum Balance	Penalty for Early Withdrawal
3 to 5 months	2.58	2.55	$1,000	A penalty of 60 days dividends on principal withdrawn, whether earned or not.
6 to 11 months	3.04	3.00	$1,000
12 to 17 months	3.09	3.05	$500
18 to 23 months	3.09	3.05	$500	A penalty of 180 days dividends on principal withdrawn, whether earned or not.
24 to 29 months	3.09	3.05	$500
30 to 35 months	3.09	3.05	$500
33 month SPECIAL	3.55	3.50	$10,000
36 to 47 months	3.14	3.10	$500
48 to 59 months	3.24	3.20	$500
60 to 71 months	3.51	3.45	$500

Savings Rates
Effective 05/07/08 to 05/13/08

Share Account	Annual Percentage Yield	Dividend Rate	Minimum Balance to Open	Minimum Balance to Obtain APY	Dividends Compounded	Dividends Credited	Dividend Period
Membership Shares balance ($50 minimum balance to avoid $3 monthly access fee)	2.02%	2.00%	$5.00	$5.00	Quarterly	Quarterly	Quarterly
Secondary Shares (Name your own share)	2.02%	2.00%	---	---	Quarterly	Quarterly	Quarterly
Money Market IRA & HSA Balance $0.01 - $9,999.99	2.27%	2.25%	$100.00	$0.01	Monthly	Monthly	Monthly
Balance $10,000.00 - $24,999.99	2.48%	2.45%	$100.00	$10,000.00	Monthly	Monthly	Monthly
Balance $25,000 and over	2.68%	2.65%	$100.00	$25.000.00	Monthly	Monthly	Monthly
Money Market Shares Balance $0.01 - $1,999.99	2.02%	2.00%	$100.00	$0.01	Monthly	Monthly	Monthly
Balance $2,000.00 - $9,999.99	2.02%	2.00%	$100.00	$2,000.00	Monthly	Monthly	Monthly
Balance $10,000.00 - $24,999.99	2.21%	2.20%	$100.00	$10,000.00	Monthly	Monthly	Monthly
Balance $25,000 and over	2.42%	2.40%	$100.00	$25,000.00	Monthly	Monthly	Monthly
Premier Money Market Balance $100,000 and over	2.67%	2.65%	$100,000.00	$100,000.00	Monthly	Monthly	Monthly
Balance $0.01 - $99,999.99	2.02%	2.00%	$100,000.00	$0.01	Monthly	Monthly	Monthly
Christmas Account (Share I.D. 9)	2.02%	2.00%	---	---	Quarterly	Quarterly	Quarterly

Rate Information - The prospective dividend rate and annual percentage yield for this dividend period are stated above. The dividend rate and annual percentage yield may change every dividend period. The dividend rate for your account may change as determined by the credit union board of directors.

Compounding and Crediting - Dividends will be compounded and credited as stated above.

Balance Computation Method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Minimum Balance Requirements - The minimum balance required to open each account is stated above. You must maintain the minimum daily balance stated above in your account each day to obtain the disclosed annual percentage yield.

Accrual of Dividends - Dividends will begin to accrue on the business day you deposit items to your account.

Nature of Dividends - Dividends are paid from current income and available earnings, after required transfers to reserves, at the end of the dividend period.

Transaction Limitations - During any month you may not make more than six withdrawals or transfers to another credit union share account of yours or to a third party by means of preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. The credit union will deny any transfer exceeding the above stated limitations. These limitations do not apply to your membership share or share draft checking account. Money Market Shares has a minimum deposit requirement of $100.

Truth-In-Savings Disclosure Share Certificate Account

Rate Information - The dividend rate and annual percentage yield are stated above. The disclosed fixed rate will be paid until maturity. The annual percentage yield is based on the assumption that dividends remain on deposit until maturity.

Accrual of Dividends - Dividends will begin to accrue on the business day you deposit items to your account.

Minimum Balance Requirements - The minimum balance required to open a certificate is stated above. You must maintain the minimum balance in your account each day to obtain the annual percentage yield disclosed. We may be able to match your certificate off with a higher dividend rate if you have a minimum balance of $ 50,000.00. Call 765-674-6631 for current rate information.

Balance Computation Method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

Compounding and Crediting - Dividends will be compounded monthly and will be credited monthly.

Transaction Limitations - After the account is opened, you may not make any deposits into the account until the maturity date stated on the certificate. You may not make any withdrawals of principal from your account before maturity unless we agree at the time you request the withdrawal. We may impose a penalty if we grant your request.

Maturity Date - Your account will mature on the maturity date set forth on the certificate or renewal notice.

Early Withdrawal Penalties - We may impose a penalty if you withdraw principal before the maturity date. The penalties are stated above. The principal amount upon which the forfeiture is calculates the amount withdrawn unless the amount withdrawn reduces the balance below the required minimum balance. In that event, the principal amount upon which the forfeiture is calculated is the entire amount of the certificate. There are certain circumstances, such as death or incompetence of an owner, where we may waive or reduce this penalty. If this account is part of an IRA or other tax qualified plan, see your plan disclosure for early withdrawal penalties.

Renewal Policies - Your certificate account will automatically renew at maturity. The renewal term will be the same as the original term, beginning on the maturity date. You may prevent renewal if you withdraw the funds in the account at maturity or within the grace period. The credit union will give you at least 10 days notice prior to maturity. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Nature of Dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period.

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Marion School Employees Credit Union
765-674-6631 Toll Free 1-877-MSEFCU4 (1-877-673-3284)
PAT # 664-2700 or 1-800-597-5707

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Equal Housing Lender

American Share Insurance

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act 12 CFR 701.31(d)(1)(i)

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