Savings Accounts - The below Rate Schedule states rates applicable to specified accounts and fees common to all accounts. This scheduled is incorporated as a part of your account agreement with United Savings Federal Credit Union.

For purposes of this disclosure, the dividend rate and annual percent yield stated for the term share accounts where offered within the most recent seven calendar days and were accurate as of 05-01-2011. All rates are subject to change without notice. Please call (925) 778-7283 to obtain current rate information.

Type of Account	Minimum Balance	Term	Interest Rate	Annual Percentage Yield
Regular Shares	$5.00	Quarterly	0.10%	0.10%
Share Certificate	$500.00	6 Months	0.80%	0.80%
Share Certificate	$500.00	9 Months	0.80%	0.80%
Share Certificate	$500.00	12 Months	1.29%	1.30%
Share Certificate	$500.00	24 Months	1.49%	1.50%
Youth (Future Funds)	$5.00	Quarterly	0.10%	0.10%
Money Market Account	$500.00	Daily	0.35%	0.35%
IRA Saver Account	$500.00	Quarterly	0.10%	0.10%
IRA Certificate	$500.00	12 Months	1.29%	1.30%

Member's accounts are insured by the National Credit Union Administration up to at least $250,000. The dividend rates and annual percentage yield may change at any time. The rate changes are solely within the discretion of the Board of Directors of United Savings Federal Credit Union.

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