MATCU - Memphis Area Teachers' Credit Union

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Regular Share Certificate Accounts

Term	Minimum Balance	Dividend Rate	Compounding Frequency	Annual Percentage Yield
6 months	$500.00	0.50%	Monthly	0.50%
12 months	$500.00	1.00%	Monthly	1.00%
24 months	$500.00	1.55%	Monthly	1.56%
36 months	$500.00	2.05%	Monthly	2.07%
60 months	$500.00	2.95%	Monthly	2.99%

Traditional/Roth/Coverdell Educational IRA Share Certificate Accounts

Term	Minimum Balance	Dividend Rate	Compounding Frequency	Annual Percentage Yield
12 months	$500.00	1.00%	Monthly	1.00%
24 months	$500.00	1.55%	Monthly	1.56%
36 months	$500.00	2.05%	Monthly	2.07%
60 months	$500.00	2.95%	Monthly	2.99%

All share certificates over $250,000.00 may be subject to a negotiated rate. Certificate rates are subject to change weekly. Fees may reduce earnings.

Contact a MATCU representative online or call (901) 385-5200 or (800) 532-9025 for the most current rates.

Primary Share Accounts

Balance*	Dividend Rate	Annual Percentage Yield
$100.00 or more	.25%	.25%

* Minimum balance of $100 to earn dividends

Money Market Share Accounts

Balance*	Dividend Rate	Annual Percentage Yield
$500.00 or more	.50%	.50%

* Minimum balance of $500 to earn dividends

Other Share Accounts

Account	Dividend Rate	Annual Percentage Yield
Christmas Club	.25%	.25%
10 Month / 12 Check Plan	.25%	.25%
Checking (minimum balance of $250 to earn dividends)	.05%	.05%
Miscellaneous Shares	.25%	.25%
Traditional and Roth IRA Coverdell Education Savings Account Share Accounts	0.50%	0.50%

These dividend rates and annual percentage yields may change as determined by the credit union pricing committee.

High-Yield Checking

Balance	Dividend Rate	Annual Percentage Yield
$0-$24,999	0.50%	0.50%
$25,000 and up	0.50%	0.50%

Non-qualified accounts $0-9,999,999.99=0.05%APY.

Business Money Market Max Yield

Balance*	Dividend Rate	Annual Percentage Yield
$2,500.00 and up	0%	0%

* Minimum balance of $2500.00 to earn dividends

Business Basic & Business Plus Checking

Balance*	Dividend Rate	Annual Percentage Yield
$100.00 and up	0%	0%

* Minimum balance of $100 to earn dividends

Rates and terms are subject to change daily and/or without notice.

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