Dividend Rates...

Member Accounts are federally insured to $250,000 and Retirement Accounts are federally insured separately to $250,000 by NCUA, a U.S. Government Agency.

Share and Share Draft Accounts

Effective May 1, 2011	APR	APY
Shares (Savings)	.35%	.35%
Share Draft (Checking)	.10%	.10%
Christmas Club	.35%	.35%

Effective September 1, 2009	APR	APY
IRA	1.50%	1.51%

Certificates Of Deposit

Effective April 25, 2011	APR	APY
6 Month	.60%	.60%
12 Month	.85%	.85%
24 Month	1.10%	1.10%
60 Month	2.10%	2.12%

Jumbo Certificates $99,000 and Above

Effective April 25, 2011	APR	APY
6 Month	.85%	.85%
12 Month	1.10%	1.10%
24 Month	1.35%	1.35%
60 Month	2.35%	2.37%

Kraftman Federal Credit Union Share (Savings) and Share Draft (Checking) Accounts are variable rate accounts. The dividend rate and annual percentage yield may change at any time. We may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends earned are posted monthly. Applicable fees and conditions could reduce the earnings on your account.