Our Share Certificates are an excellent and secure way to invest your money. Enjoy an extra 0.25%² on the Annual Percentage Yield (APY) when you open a "new" share certificate with a minimum of 5,000 USD in new money³ . Limited time offer – apply today! Apply online at www.unfcu.org by logging onto Internet Banking and completing "New Share Certificate" under "Online Forms." You can also call us at + 1 347-686-6000 or 1 800-891-2471 to speak with a member service representative or visit your local branch/representative office for more information.

¹ APY = Annual Percentage Yield. Rates are effective as of 3 March 2010 and are subject to change without notice. Early withdrawal penalty applies. Certificate dividends are compounded daily and credited monthly. ² For a limited time only, members who open a "qualifying share certificate" are eligible to receive an additional 0.25% APY on UNFCU’s declared share certificate rates. A "qualifying share certificate" is a 12-month term share certificate with a minimum opening balance of 5,000 USD consisting of no less than seventy-five percent "new money". In addition to early withdrawal penalties, members will forfeit the additional 0.25% APY in case of early withdrawal. ³ For the purposes of this promotion, "new money" is defined as funds transferred or deposited into the member’s UNFCU account from an outside institution within the thirty-day period prior to the opening of the qualifying share certificate. New money excludes money previously deposited in the UNFCU account of any UNFCU member. UNFCU reserves the right to adjust your account to recover dividends paid in error if it is determined that funds included in any "new money" calculation were previously held in a UNFCU account by a UNFCU member. This credit union is federally insured by the National Credit Union Administration (NCUA). Accounts and shares are insured by the Administration to the maximum insurance amount for each member or shareholder. Unless otherwise noted, fees may be associated with certain products and services. Certain UNFCU products and services are subject to approval. Federal and state laws may limit the availability of certain products and services in select areas. © 2010 UNFCU and 'serving the people who serve the world' are registered marks of United Nations Federal Credit Union. All rights reserved. 03/2010