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Dividend Rates
 
This rate sheet states rates applicable to specific accounts and is incorporated as part of your Truth-in-Savings Disclosure and account agreement with Toyota Federal Credit Union. For purposes of this Disclosure, the dividend rate and annual percentage yield stated for the Certificates were offered within the most recent seven calendar days and were accurate as of May 5, 2008.
       
Account Name Dividend Tier Levels Dividend
Rate
Annual Percentage Yield

Strategic Savings*
$5 and above
0.75% 0.75%
 
   
Interest Checking
$1,000 and above
0.50% 0.50%
       
Free Checking
n/a
0.00% 0.00%
 
   
Holiday Club
$5 to $10,000
2.30% 2.32%
 
   
Personal Strategy*
$5 and above
0.75% 0.75%
 
   
Youth/Teen Savings
$5 and above
1.25% 1.26%
 
   

Strategic Market Account*

$100,000 and above
$50,000 to $99,999
$10,000 to $49,999
$2,500 to $9,999
2.90%
2.75%
2.55%
2.15%
2.94%
2.78%
2.58%
2.17%
 
   
Premier Market Account**
$50,000 and above
3.25% 3.30%
       
IRA Savings
Roth, Traditional, Coverdell
$100 and above
1.10% 1.11%
       
Strategic Yield Certificates    
  $100,000 Minimum    
  60 months 3.54% 3.60%
  48 months 3.38% 3.43%
  36 months 3.30% 3.35%
  24 months 3.08% 3.12%
  12 months 2.98% 3.02%
  6 months 2.76% 2.80%
  3 months 2.52% 2.55%
       
  $40,000 Minimum    
  60 months 3.49% 3.55%
  48 months 3.33% 3.38%
  36 months 3.15% 3.20%
  24 months 3.03% 3.07%
  12 months 2.93% 2.97%
  6 months 2.72% 2.75%
  3 months 2.47% 2.50%
       
  $1,000 Minimum    
  60 months 3.45% 3.50%
  48 months 3.18% 3.23%
  36 months 3.06% 3.10%
  24 months 2.98% 3.02%
  12 months 2.88% 2.92%
  6 months 2.67% 2.70%
  3 months 2.42% 2.45%
       
IRA Certificates (Traditional, Roth, and Coverdell Share Certificates)
  $100,000 Minimum    
  60 months 3.54% 3.60%
  48 months 3.38% 3.43%
  36 months 3.30% 3.35%
  24 months 3.08% 3.12%
  12 months 2.98% 3.02%
       
  $40,000 Minimum    
  60 months 3.49% 3.55%
  48 months 3.33% 3.38%
  36 months 3.15% 3.20%
  24 months 3.03% 3.07%
  12 months 2.93% 2.97%
       
  $1,000 Minimum    
  60 months 3.45% 3.50%
  48 months 3.18% 3.23%
  36 months 3.06% 3.10%
  24 months 2.98% 3.02%
  12 months 2.88% 2.92%
       

* Dividend rate and APY is paid on the entire average daily balance in your account.

** Premier Market Account opening requires a checking account and one of the following services: net check, EFT deposit ($100 minimum), or eStatement or Bill Manager activation.

Members' accounts are insured by the National Credit Union Administration (NCUA) up to $100,000.

Date actual dividends declared or anticipated dividend established.

Share rates subject to change without notice. Please call 800-230-3306 for current rate information.

 
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