Ontario Shores Federal Credit Union
Savings Rates

REGULAR SHARES
Account Description Rate APY *
Savings .75% .75%
Checking .50% .50%
IRAs 2.00% 2.01%
PeeWee Penguin Club .75% .75%

SHARE CERTIFICATES
Term Rate APY *
6 Months 1.75% 1.77%
12 Months 2.10% 2.12%
24 Months 2.25% 2.27%
36 Months 2.55% 2.58%
48 Months 2.85% 2.88%

* Annual percentage yield
Share rates effective December 31, 2008 for the previous quarter
Share certificate rates effective January 7, 2009
Rates are subject to change



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