Certificate Rates

Certificates

Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance
6 Months	2.52%	2.55%	$500
8 Months*	3.69%	3.75%	$500

Certificates and IRAs

Term	Dividend Rate	Annual Percentage Yield (APY)	Minimum Balance
12 Months	2.62%	2.65%***	$500.00

18 Months	2.72%	2.75%***	$500.00

24 Months	2.87%	2.90%***	$500.00

36 Months	3.02%	3.05%***	$500.00

48 Months	3.26%	3.30%***	$500.00

60 Months	3.455%	3.50%***	$500.00

***.25% premium is added to any individual certificate/IRA totaling $75,000 and over. * 8 Month Special is new money only.

Dividend rates and terms effective 8/27/08.
Certificate rates are guaranteed for term.
Rates and certificate terms may change without notice.
Certificates automatically renew or are transferred to a regular share account if the certificate term is no longer offered.
Early withdrawals may reduce the principal and earnings.
Account information and early withdrawal penalties are available to members upon request.
HFCU is a truth-in-savings institution.