Valley Oak Credit Union
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Rates Effective Aprith 7th, 2008


This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated
as part of your account agreement with Valley Oak Credit Union.

Please call your local branch or 559-561-1420 to obtain current rate information.

DIVIDENDS DECLARED AND PAID 04/30/2008

Account Type

Rate Type

Minimum to
open account

Minimum to
earn dividends

Dividend
Rate

Annual Percentage
Yield

Regular Shares

Variable

$25

$250

0.45%

0.45

Junior Shares

Variable

$25

$25

0.50%

0.50

Santa Saver

Variable

$5

$5

0.50%

0.50

Money Market 15

Variable

$2,500

$2,500

1.21%

1.21

Money Market 18

Variable

$20,000

$20,000

1.45%

1.46

6 Month Certificate

Fixed

$2,500

$2,500

2.60%

2.63

12 Month Certificate

Fixed

$2,500

$2,500

2.70%

2.74

15 Month Certificate

Fixed

$2,500

$2,500

2.75%

2.79

18 Month Certificate

Fixed

$2,500

$2,500

2.80%

2.84

24 Month Certificate

Fixed

$2,500

$2,500

2.85%

2.89

30 Month Certificate

Fixed

$2,500

$2,500

2.90%

2.94

36 Month Certificate

Fixed

$2,500

$2,500

2.95%

2.99

48 Month Certificate

Fixed

$2,500

$2,500

3.00%

3.05

60 Month Certificate

Fixed

$2,500

$2,500

3.00%

3.05

 

Member's are insured by the National Credit Union Administration for up to $100,000.00 per member, plus an additional $250,000.00 of private insurance with American Share Insurance (ASI). This is not a disclosure. Disclosures are available upon request.

Certificates will have a penalty imposed for withdrawal prior to maturity.

 

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