Savings/Share Certificate

Effective as of Thursday, November 20th, 2008

Share Rates    
Account Types Dividend
Rate		 Annual
Percentage
Yield		 Effective    
Share/Savings &
Business Share/Savings
(Minimum Average Daily
Balance of $100 or more)		 0.75% 0.75%
11/01/08-11/30/08
    
Savings Safari & Cha Ching
Youth Share/Savings

Individual Retirement Account
1 Last Dividend Declaration
Date of 04/01/2008		 0.85%


1.40%		 0.85%


1.41%		 11/01/08-12/31/08


10/01/08-12/31/08		    
Checking/Share Draft 10/01/08 - 10/31/08    
Simply Free 0.00% 0.00%    
Simply More 0.00% 0.00%    
Simply More ($1,000-$4,999)* 0.15% 0.15%    
Simply More ($5,000)* 0.25% 0.25%    
Simply 50 0.00% 0.00%    
Simply 50 ($1,000-$4,999)* 0.15% 0.15%    
Simply 50 ($5,000)* 0.25% 0.25%    
Business Premier  ($7,500 +)

 0.10%

0.10% 

 *Amounts in ( ) is the Minimum
Average Daily Balance.		    
Money Market /Business Money Market 11/01/08 - 11/31/08    
Minimum Daily Balance

Balances of < $2,500

0.75%

0.75%		    
Balances of $2,500 - $24,999 1.50% 1.51%    
Balances of $25,000 - $49,999 1.70% 1.71%    
Balances of $50,000 - $99,999 1.95% 1.97%    
$100,000 + 2.10% 2.12%    
IRA/Share & Business Share Certificates
$500-$24,999 11/05/2008		    
91 day 2.10% 2.12%    
6 month 2.45% 2.48%    
1 year 2.90% 2.94%    
2 year 3.20% 3.25%    
3 year 3.40% 3.45%    
4 year 3.50% 3.56%    
5 year 3.75% 3.81%    
18 month 3.10% 3.14%    
IRA/Share Certificates & Business Share Certificates
$25,000- $49,999 11/05/2008		    
91 day 2.20% 2.22%    
6 month 2.55% 2.58%    
1 year 3.00% 3.04%    
2 year 3.30% 3.35%    
3 year 3.50% 3.56%    
4 year 3.60% 3.66%    
5 year 3.85% 3.92%    
18 month 3.20% 3.25%    
IRA/Share Certificate & Business Share Certificates
$50,000 - $99,999 11/05/2008		    
91 day 2.30% 2.32%    
6 month 2.65% 2.68%    
1 year 3.10% 3.14%    
2 year 3.40% 3.45%    
3 year 3.60% 3.66%    
4 year 3.70% 3.76%    
5 year 3.95% 4.02%    
18 month 3.30% 3.35%    
IRA/Share Certificates & Business Share Certificates
$100,000 + 11/05/2008		    
91 day 2.40% 2.43%    
6 month 2.75% 2.78%    
1 year 3.20% 3.25%    
2 year 3.50% 3.56%    
3 year 3.70% 3.76%    
4 year 3.80% 3.87%    
5 year 4.05% 4.13%    
18 month 3.40% 3.45%    
Dream Builder Share Certificates*** 11/05/2008    
Minimum Balance: $5

1 year

1.90%

1.92%		    
2 year 2.20% 2.22%    
3 year 2.40% 2.43%    
Specials    
Term Min. Balance
Changeable Share Certificate 2 year $2,500

The Changeable Share Certificate is for a 2-year term and a $2,500 minimum deposit. Rate may be changed one time during the term to the existing rate at member's written request. Share certificate withdrawal before maturity can result in penalties. Does not apply to business accounts.

Term Min. Balance
Dreambuilder Certificate Promotion (Effective March 17th) 1 year $25, Rate 4.89% APY 5.00%

5.00% APY paid when you establish a 1 year Dreambuilder Share Certificate account with a minimum deposit of $25 to a maximum deposit of $1,000. Subject to early withdrawal penalties. Existing Dreambuilder Share Certificate accounts are not eligible. Offer good on new money only. Limited to one share certificate per member. Offer expires 12/31/2008.

Rates are subject to change without notice. Fees may reduce earnings. A penalty will or may be imposed for early withdrawals on share certificate accounts.***Dream Builder Share Certificates require timely monthly deposits/periodic payments. Under this program, the failure to make 3 timely deposits/periodic payments will result in the termination of the certificate and we may impose an early withdrawal penalty. Any principal balance will be transferred into a share account. Does not apply to business accounts. For additional information, please call us at 1-800-351-1670 or e-mail us at cumail@firstlightfcu.org.