FAIRWINDS Credit Union
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IRA Certificate of Deposit Rates

Current Rates for: 11/17/2008 - 11/23/2008
Rates are subject to change at anytime without notice.
Relationship Rewards

  IRA Certificate Rates
Term Interest
Rate
   APY    Relationship Rewards
2,500 points** 5,000 points**
Interest
Rate
   APY    Interest
Rate
   APY   
3 mo 2.00 2.02 2.25 2.28 2.50 2.53
6 mo 2.30 2.33 2.55 2.58 2.80 2.84
12 mo 2.50 2.53 2.75 2.79 3.00 3.05
18 mo (Special)* 3.20 3.25 3.45 3.51 3.70 3.77
24 mo 2.70 2.74 2.95 2.99 3.20 3.25
36 mo 2.90 2.94 3.15 3.20 3.40 3.46
48 mo 3.00 3.05 3.25 3.30 3.50 3.56
60 mo 3.30 3.35 3.55 3.61 3.80 3.87
$500 / 10 mo 1.50 1.51 1.75 1.77 2.00 2.02




  IRA Jumbo Certificate Rates***
Term Interest
Rate
   APY    Relationship Rewards
2,500 points** 5,000 points**
Interest
Rate
   APY    Interest
Rate
   APY   
3 mo 2.05 2.07 2.30 2.33 2.55 2.58
6 mo 2.35 2.38 2.60 2.63 2.85 2.89
12 mo 2.55 2.58 2.80 2.84 3.05 3.10
18 mo (Special)* 3.20 3.25 3.45 3.51 3.70 3.77
Open a 18 month Jumbo CD and receive 1,000 Relationship Rewards.
24 mo 2.75 2.79 3.00 3.05 3.25 3.30
36 mo 2.95 2.99 3.20 3.25 3.45 3.51
48 mo 3.05 3.10 3.30 3.35 3.55 3.61
60 mo 3.35 3.41 3.60 3.67 3.85 3.92


Insured Funds Web Resources
Access valuable resources regarding how your deposits are insured through the NCUA.

Laddering Your CD Portfolio
Learn more about this investment technique.

How Do We Compare?
How do we compare to other financial institutions?

    APY: Annual Percentage Yield
    Early withdrawal is subject to penalty. Account disclosures are available online.

    * Limited time offer and subject to change at any time.
    ** Relationship Rewards - Bonus is based on the number of Relationship Rewards points you redeem.
    • Redeem 2,500 Relationship Rewards points to receive .25% bonus rate.
    • Redeem 5,000 Relationship Rewards points to receive .50% bonus rate.
    *** Jumbo Certificates - Minimum opening balance: $100,000; Minimum monthly balance: $100,000.

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