SAVINGS RATES

RATES ON SAVINGS (SHARE) ACCOUNTS

As we become increasingly profitable, you, as a co-owner, share the wealth. On some average balance "tiers" your Cal Feminist savings earn more than they do at other local credit unions and major California banks. As you borrow--and encourage others to do the same—your savings can earn rates that are even more competitive.

Your board of directors--the ones you elect every year at the Annual Meeting-- "declare" rates in the last month of each quarter. The rates shown are Annual Percentage Yields (APYs). See Truth-In-Savings for method of calculation, conditions of payment, & fees.

Dividends for: 1st quarter 2008, first published 4/1/08

On 3/31/08 paid into all accounts open on that date.

REGULAR SHARES (SAVINGS) & all Sub-Accounts

Average Daily Balance	Annual Percent Yield (APY)
Less than $300	no dividends
$300 - $999	0.70%
$1,000 - $2,499	0.75%
$2,500 - $4,999	0.80%
$5,000 - $9,999	0.85%
$10,000 - $24,999	1.05%
$25,000 - $49,999	1.25%
$50,000 - $89,999	1.35%
$90,000 - $100,000 maximum	2.05%

Bonus: -13* sub-accounts: above rates + 0.75%. Example: 2..05% + 0.75% = 2.80%

*Dash 13 sub-accounts, used to back loans of other Cal Feminist members, earn regular dividends plus bonus dividends (see example above)

Your savings federally insured to at least $100,000 and backed by the full faith & credit of the United States Government

NCUA

National Credit Union Administration , a U.S. Government Agency