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Savings

Account Rate Schedule

Type of Accounts	Dividend Rate	APY	Minimum to open	Minimum to obtain stated APY
Regular Shares	0.50%	0.50%	$5.00	$0.00
MyFunds ^SM * $0.00 - $500.00 $500.01 +	4.00% 0.50%	4.09% 0.50%	$5.00	$0.00 - $500 $500.01 +
Silver Lining Savings** $0.00 - $500.00 $500.01 +	4.00% 0.50%	4.09% 0.50%	$5.00	$0.00 - $500 $500.01 +
Holiday Club	0.50%	0.50%	$5.00	$0.00
Special Purpose	0.50%	0.50%	$5.00	$0.00
Escrow	0.50%	0.50%	$5.00	$0.00

APY equals Annual Percentage Yield

Effective date 5/20/08

Share Savings Accounts are variable rate accounts and the rate may change after the account is opened.

See our Fee Schedule for details on fees and charges associated with Share savings Accounts. Fees could reduce the earnings on the account.

Deposit Protection. Members' funds are insured to $100,000 per member by the National Credit Union Share Insurance Fund in accordance with the terms and conditions of the National Credit Union Administation's Rules and Regulations.

* Members under the age of 23 are eligible for the MyFunds Share Account. At the end of the month of the member's 23rd birthday, the account will automatically convert to a variable rate Regular Share Account at the regular share rate at the time of conversion. The MyFunds Share Account is a variable rate account of 4.00% [4.09% Annual Percentage Yield (APY) effective as of February 1, 2008] for balances $0 to $500. A variable rate of .50% with an APY of .50% (effective as of February 1, 2008) applies to all MyFunds balances $500.01 and over. These variable rates may change after the account is opened. Our dividends are calculated day of deposit to day of withdrawal; compounded and paid on the last day of the month. One MyFunds Share Account per qualifying member. Fees (specifically an Inactivity Fee) could reduce earnings on the account. For complete details, please speak with a Member Service Representative at 1-888-436-1847.

**The Silver Lining Share Account is a variable rate account of 4.00% [4.09% Annual Percentage Yield (APY) effective as of May 14, 2008] for balances $0 to $500. A variable rate of .50% with an APY of .50% (effective as of May 14, 2008) applies to all Silver Lining balances $500.01 and over. These variable rates may change after the account is opened. Our dividends are calculated day of deposit to day of withdrawal; compounded and paid on the last day of the month. One Silver Lining Share Account per qualifying member. Fees (specifically an Inactivity Fee) could reduce earnings on the account. Members must have an active NECU checking account. For complete details, please speak with a Member Service Representative at 1-888-436-1847.

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