OTIS Federal Credit Union

(207) 897-0900

Share (savings) Account Rates
Effective date: April 1, 2008 Rates subject to change	Dividend Rate	Annual Percentage Yield	Minimum Opening/ Required Balance
Membership Share	0.75%	0.75%	$25.00
Coindexter Club(under 13)	0.75%	0.75%	$5.00
Share Draft (checking)	0.00%	0.00%	$0.00
Clubs	0.75%	0.75%	$0.00
Holiday Club	0.75%	0.75%	$0.00
Withdrawals made more than 7 days after the account is opened and before the maturity date of October 18, 2008 are subject to a $5.00 penalty.
Money Management**			$2,000.00
Tier 1	0.50%	0.50%	$0.00 to $1,999.99
Tier 2	1.49%	1.50%	$2,000. to $20,000.
Tier 3	2.08%	2.10%	$20,000.01 plus
**Withdrawals must be $500.00 or more and limited to 3 withdrawals per month at no charge. Excess withdrawal will be charged a $1.00 thereafter.
IRA Share	1.24%	1.25%	$25.00
Roth IRA Share	1.24%	1.25%	$25.00
Coverdell Educational IRA Share	1.24%	1.25%	$25.00

Minimum balance required to obtain the Annual Percentage Yield for the dividend period.All Rates are subject to change without notice. Truth in Savings Disclosure

Share (savings) Account Rates