MVFCU is here to help pave the way to your financial future. We invite you to compare our deposit rates and then start saving today to meet your personal financial goals.

Savings Rates Share (savings) Account Rates

Other savings options

Account Type	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)*
Main Share	$5.00	0.15%	0.15%
Share Savings	N/A	0.15%	0.15%
Club Accounts	N/A	0.15%	0.15%
Share Draft (Checking)	N/A	0.00%	0.00%
Premium Share	N/A	0.40%	0.40%
IRA Savings	N/A	0.40%	0.40%
Business Share Savings	$5.00	0.15%	0.15%
Business Dividend Bearing Checking	N/A	0.10%	0.10%
Business Money Market	$1,000.00 - $9,999.99	0.40%	0.40%
	$10,000.00 - $24,999.99	0.50%	0.50%
	$25,000.00 - $49,999.99	0.75%	0.75%
	$50,000.00 - $99,999.99	0.90%	0.90%
	$100,000.00	1.04%	1.05%

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days.
Effective Date: 1/27/2012

Certificate Account Rates

Earn while you save

Term	Minimum Deposit	Dividend Rate	Annual Percentage Yield (APY)*
91 Day	$1000	0.25%	0.25%
6 Month	$1000	0.50%	0.50%
12 Month	$500	1.00%	1.00%
15 Month**	$500	1.00%	1.00%
18 Month	$500	1.24%	1.25%
24 Month	$500	1.49%	1.50%
30 Month	$500	1.49%	1.50%
36 Month	$500	1.98%	2.00%
48 Month	$500	1.98%	2.00%
60 Month	$500	2.47%	2.50%

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days.
**One-Time Bump Up Rate Option. APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Penalty for early withdrawal. Certificate rates are subject to change. Rates are effective as of date below. Call for current rates.
Effective Date: 1/27/2012

JUMBO Certificate Program - $25,000 Minimum Deposit

Term	Dividend Rate	Annual Percentage Yield (APY)*
6 Month	0.50%	0.50%
12 Month	1.00%	1.00%
18 Month	1.24%	1.25%
24 Month	1.49%	1.50%

$25,000 Minimum deposit
*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Penalty for early withdrawal. Rates subject to change daily. Accounts are insured by NCUA up to $250,000. Rates are effective as of date below. Call for current rates.
Effective Date: 1/27/2012

JUMBO Certificate Program - $50,000 Minimum Deposit

Term	Dividend Rate	Annual Percentage Yield (APY)*
6 Month	0.50%	0.50%
12 Month	1.00%	1.00%
18 Month	1.24%	1.25%
24 Month	1.49%	1.50%

*APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Penalty for early withdrawal. Rates subject to change daily. Accounts are insured by NCUA up to $250,000. Rates are effective as of date below. Call for current rates.
Effective Date: 1/27/2012

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts