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Rates Effective Aprith 7th, 2008
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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.
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DIVIDENDS DECLARED AND PAID 04/30/2008
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Account Type
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Rate Type
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Minimum to
open account
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Minimum to
earn dividends
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Dividend
Rate
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Annual Percentage
Yield
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| Regular Shares |
Variable
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$25
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$250
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0.45%
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0.45
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| Junior Shares |
Variable
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$25
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$25
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0.50%
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0.50
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| Santa Saver |
Variable
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$5
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$5
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0.50%
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0.50
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| Money Market 15 |
Variable
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$2,500
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$2,500
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1.21%
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1.21
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| Money Market 18 |
Variable
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$20,000
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$20,000
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1.45%
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1.46
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| 6 Month Certificate |
Fixed
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$2,500
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$2,500
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2.60%
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2.63
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| 12 Month Certificate |
Fixed
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$2,500
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$2,500
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2.70%
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2.74
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| 15 Month Certificate |
Fixed
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$2,500
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$2,500
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2.75%
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2.79
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| 18 Month Certificate |
Fixed
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$2,500
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$2,500
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2.80%
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2.84
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| 24 Month Certificate |
Fixed
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$2,500
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$2,500
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2.85%
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2.89
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| 30 Month Certificate |
Fixed
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$2,500
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$2,500
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2.90%
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2.94
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| 36 Month Certificate |
Fixed
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$2,500
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$2,500
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2.95%
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2.99
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48 Month Certificate
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Fixed
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$2,500
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$2,500
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3.00%
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3.05
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| 60 Month Certificate |
Fixed
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$2,500
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$2,500
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3.00%
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3.05
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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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