Term Savings Account (Certificate) and IRA Rates

Rates as of 2/1/2012

$500 minimum deposit

Term	TSA Interest Rate	TSA APY*	IRA Interest Rate	IRA APY*
3 Month (for Financial Fitness accounts only)	0.05%	0.05%
6 Month	0.05%	0.05%	0.05%	0.05%
12 Month	0.25%	0.25%	0.25%	0.25%
18 Month	0.30%	0.30%	0.30%	0.30%
24 Month	0.35%	0.35%	0.35%	0.35%
30 Month	0.50%	0.50%	0.50%	0.50%
36 Month	0.55%	0.55%	0.55%	0.55%
42 Month	0.60%	0.60%	0.60%	0.60%
48 Month	0.65%	0.65%	0.65%	0.65%
54 Month	0.70%	0.70%	0.70%	0.70%
60 Month	0.80%	0.80%	0.80%	0.80%

$10,000 minimum deposit

Term	TSA Interest Rate	TSA APY*	IRA Interest Rate	IRA APY*
6 Month	0.25%	0.25%	0.25%	0.25%
12 Month	0.45%	0.45%	0.45%	0.45%
18 Month	0.50%	0.50%	0.50%	0.50%
24 Month	0.55%	0.55%	0.55%	0.55%
30 Month	0.70%	0.70%	0.70%	0.70%
36 Month	0.75%	0.75%	0.75%	0.75%
42 Month	0.80%	0.80%	0.80%	0.80%
48 Month	0.85%	0.85%	0.85%	0.85%
54 Month	0.90%	0.90%	0.90%	0.90%
60 Month	1.00%	1.00%	1.00%	1.00%

$50,000 minimum deposit

Term	TSA Interest Rate	TSA APY*	IRA Interest Rate	IRA APY*
6 Month	0.35%	0.35%	0.35%	0.35%
12 Month	0.55%	0.55%	0.55%	0.55%
18 Month	0.60%	0.60%	0.60%	0.60%
24 Month	0.65%	0.65%	0.65%	0.65%
30 Month	0.80%	0.80%	0.80%	0.80%
36 Month	0.85%	0.85%	0.85%	0.85%
42 Month	0.90%	0.90%	0.90%	0.90%
48 Month	0.95%	0.95%	0.95%	0.95%
54 Month	1.00%	1.00%	1.00%	1.00%
60 Month	1.10%	1.11%	1.10%	1.10%

	Minimum Opening Requirement	Interest Rate	APY (Annual Percentage Yield)
IRA Plus	None	0.15%	0.15%
Roth IRA Plus	None	0.15%	0.15%

*APY is Annual Percentage Yield. Interest is paid and compounded monthly on TSAs and quarterly on IRAs. There are interest penalties for early withdrawal.

Higher rates are available for minimum deposits of $100,000 and $250,000. Call 734-662-8200 for additional information.

Federally
Insured
by NCUA

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Mortgage loan services provided by MemberFirst Mortgage LLC (NMLS #149532) and UMCU (NMLS #712343)