Certificate and IRA Rates

Pro Fed Certificate and IRA Rates

Pro Fed Certificate and IRA Rates.
Effective 5/9/2008. Subject to change without notice.

Share Certificates (minimum $500 - $9,999)
CERTIFICATE TERMS	DIVIDEND RATE	APY*
3 Month	2.22%	2.25%
6 Month	2.47%	2.50%
9 Month	2.57%	2.60%
12 Month	2.91%	2.95%
18 Month	2.96%	3.00%
24 Month	3.00%	3.05%
30 Month	3.05%	3.10%
36 Month	3.39%	3.45%
48 Month	3.63%	3.70%
60 Month	3.88%	3.95%

Share Certificates ($10,000 and Over)
CERTIFICATE TERMS	DIVIDEND RATE	APY*
3 Month	2.33%	2.35%
6 Month	2.57%	2.60%
9 Month	2.66%	2.70%
12 Month	3.00%	3.05%
18 Month	3.05%	3.10%
24 Month	3.10%	3.15%
30 Month	3.15%	3.20%
36 Month	3.49%	3.55%
48 Month	3.73%	3.80%
60 Month	3.97%	4.05%

24 Month EZ Saver Share Certificate ($100 Minimum)
	DIVIDEND RATE	APY*
Without Direct Deposit or Payroll Deduction	3.10%	3.15%
With Direct Deposit or Payroll Deduction	3.35%**	3.40%**
** With Direct Deposit, Payroll Deduction, or Automatic transfer into the EZ Saver
*APY=Annual Percentage Yield

Share Certificate Specials
Available until further notice

Special for Great Start and Smart Start Savers Only! 24 Month S.T.A.R. EZ Saver Share Certificate ($25 Minimum) Limit One Per Great Start or Start Smart Member
	DIVIDEND RATE	APY*
	3.35%**	3.40%**
** With Direct Deposit, Payroll Deduction, or Automatic transfer into the Great Start EZ Saver

Special for Eagle Members Only 60-Month Soaring Eagle Certificate Special $1,000 Minimum
	DIVIDEND RATE	APY*
Opening Rate	3.47%	3.53%
1st Anniversary +.25%	3.72%	3.78%
2nd Anniversary +.25%	3.97%	4.04%
3rd Anniversary + .50%	4.47%	4.56%
4th Anniversary + 1.00%	5.47%	5.61%
AVERAGE	4.22%	4.30%
Renews to a 60-Month Certificate at our then current rate. Substantial penalty for early withdrawal. No limit on number of certiicates. Limited time only.

Traditional IRA Variable Share Account
	DIVIDEND RATE	APY*
Minimum $10.00	1.59%	1.60%

Roth IRA Variable Share Account (Effective 11/1/02)
	DIVIDEND RATE	APY*
Minimum $10.00	1.59%	1.60%

Regular IRA Share Certificates ($1,000 Minimum)
	DIVIDEND RATE	APY*
18 Month	3.36%	3.40%
36 Month	4.43%	4.50%
60 Month	4.91%	5.00%

24 Month EZ Saver IRA Share Certificate ($100 Minimum)
	DIVIDEND RATE	APY*
Without Direct Deposit or Payroll Deduction	3.79%	3.84%
With Direct Deposit or Payroll Deduction	4.04%	4.10%

60 Month Variable IRA Share Certificate ($1,000 Minimum)
	DIVIDEND RATE	APY*
	4.91%	5.00%

ROTH IRAs

18 Month Fixed Certificate ($1,000 minimum)
	DIVIDEND RATE	APY*
	3.36%	3.40%

36 Month Fixed Certificate ($1,000 minimum)
	DIVIDEND RATE	APY*
	4.43%	4.50%

60 Month Fixed Certificate ($1,000 minimum)
	DIVIDEND RATE	APY*
	4.91%	5.00%

24 Month EZ Saver IRA ($100 minimum)
	DIVIDEND RATE	APY*
Without Direct Deposit or Payroll Deduction	3.79%	3.84%
With Direct Deposit or Payroll Deduction	4.04%	4.10%

COVERDELL EDUCATION SAVINGS ACCOUNTS

24 Month EZ Saver ($25 minimum)
	DIVIDEND RATE	APY*
Without Direct Deposit or Payroll Deduction	3.79%	3.84%
With Direct Deposit or Payroll Deduction	4.04%	4.10%

*APY=Annual Percentage Yield
**Substantial penalty for early withdrawal.

If you have any questions about this website or would like additional information about Pro Fed, please feel free to contact us at 260-483-0514 or 1-800-752-4613 or e-mail us at contactus@profedcu.org.