Share Rates

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Share Rates

Federally Insured by NCUA

Rates Effective June 10th, 2013

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 6/30/2013

Account Type	Rate Type	Minimum to open account	Minimum to earn dividends	Dividend Rate	Annual Percentage Yield
Regular Shares	Variable	$25	$250	0.10%	0.10
Junior Shares	Variable	$25	$25	0.15%	0.15
Santa Saver	Variable	$5	$5	0.15%	0.15
Premium Plus Checking	Variable	$50	$2,000	0.15%	0.15
Money Market 18
Tier 1	Variable	$1,000	$2,499	0.15%	0.15%
Tier 2	Variable	$2,500	$9,999	0.20%	0.20%
Tier 3	Variable	$10,000	$49,999	0.25%	0.25%
Tier 4	Variable	$50,000	$99,999	0.25%	0.25%
Tier 5	Variable	$100,000	$249,999	0.25%	0.25%
Tier 6	Variable	$250,000	and up	0.25%	0.25%
6 Month Certificate	Fixed	$2,500	$2,500	0.40%	0.40
12 Month Certificate	Fixed	$2,500	$2,500	0.50%	0.50
15 Month Certificate	Fixed	$2,500	$2,500	0.55%	0.55
18 Month Certificate	Fixed	$2,500	$2,500	0.55%	0.55
24 Month Certificate	Fixed	$2,500	$2,500	0.65%	0.65
30 Month Certificate	Fixed	$2,500	$2,500	0.85%	0.85
36 Month Certificate	Fixed	$2,500	$2,500	0.95%	0.96
48 Month Certificate	Fixed	$2,500	$2,500	1.20%	1.21
60 Month Certificate	Fixed	$2,500	$2,500	1.40%	1.41

Member's are insured by the National Credit Union Administration for up to $250,000.00 per member. The annual percentage yield (APY) may change after opening. Fees could reduce earnings on the account. This is not a disclosure. Disclosures are available upon request.

Certificates will have a penalty imposed for withdrawal prior to maturity