Truth in Savings Disclosure

U. S. Postal Service Federal Credit Union Disclosure for Non-Certificate Accounts.

The anticipated dividends rates and APYs shown are in effect as of July 1, 2008.
Contact your USPS FCU Personal service Representative team for current rates toll free at (800) 877-7328 or (301) 856-5000.
The Annual Percentage Yield (APY) and Dividend Rate assume that dividends are added to principal.

	Share/Special Purpose/Trust			Money Market Savings						Other Clubs	Access Checking	Interest Checking	Money Market Checking	IRA
	Tier 1	Tier 2	Tier 3	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5	Tier 6
DIVIDENDS
Dividend Rate	0.90%	1.75%	2.00%	1.95%	2.25%	2.35%	2.45%	2.55%	2.65%	1.65%	0.00%	0.25%	2.50%	3.75%
Annual Percentage Yield (APY)	0.90%	1.76%	2.02%	1.97%	2.27%	2.38%	2.48%	2.58%	2.68%	1.66%	0.00%	0.25%	2.53%	3.80%
Dividends Compounded	Quarterly	Quarterly	Quarterly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Quarterly	N/A	Monthly	Monthly	Quarterly
Dividend Credited	Quarterly	Quarterly	Quarterly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Quarterly	N/A	Monthly	Monthly	Quarterly
Dividend Period	Quarterly	Quarterly	Quarterly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Quarterly	N/A	Monthly	Monthly	Quarterly
BALANCE REQUIREMENTS
Minimum Opening Deposit	$5.00	$5.00	$5.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Minimum Balance to Avoid a Service Fee	$250 from all Account Types			$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$250 Avg.	$2,000.00	$0.00
Minimum Balance to Earn the Stated APY	$250.00	$2,000.01	$10,000.01	$5,000.00	#####	$25,000.00	$50,000.00	$75,000.00	$100,000.00	$250.00	N/A	$0.01	$0.01	$0.01
Balance Method	Daily	Daily	Daily	Daily	Daily	Daily	Daily	Daily	Daily	Daily	N/A	Daily	Daily	Daily
ACCOUNT LIMITATIONS
See Account Terms section below.	Account Transfer Limitation (6 per month) on Accounts Listed Above

Account Terms

Rate Information - The Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The Annual Percentage Yield ia a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividend rates are set by the Credit Union's Board of Directors and are subject to change.
Compounding and Crediting - Dividends will be credited and compounded as set forth above. Dividends will not be paid on regular share & club account balances below $250. Club accounts are exempt from minimum balance fees. Dividends will not be paid on Money Market Share balances below $5,000.
Balance Requirements - The minimum balance required to open each account is set forth above.
Balance Computation Method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day.
Accrual of Dividends - Dividends will begin to accrue on the day you make the deposit into your account. Dividends accrued but not yet credited to your account will not be paid if the account is closed.
Nature of Dividends - USPS FCU is a member owned financial cooperative and dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividned period.
Account Limitations - For a Share Savings account, no more than six (6) preauthorized, automatic, or telephone tranfers may be made from these accounts to another account of yours or to a third party in any month.

U. S. Postal Service Federal Credit Union Disclosure for Share/IRA Certificate Accounts.

The dividend rates and APYs shown below are in effect July 1, 2008.
Contact your USPS FCU Personal service Representative team for current rates toll free at (800) 877-7328 or (301) 856-5000.
The Annual Percentage Yield (APY) and Dividend Rate assume that dividends are added to principal.

Type/Term	Balance to Open Account	Balance to Obtain Annual Percentage Yield	Dividend Rate	Annual Percentage Yield
Share Certificates
3 Month	$250	$250	1.60%	1.61%
6 Month	$250	$250	1.85%	1.86%
1 Year	$250	$250	2.60%	2.63%
1 Year Starter	$1	$250	4.00%	4.06%
18 Month	$250	$250	2.25%	2.27%
2 Years	$250	$250	2.85%	2.88%
2 1/2 Years	$250	$250	2.95%	2.98%
5 Years	$250	$250	4.00%	4.06%
Money Market Cert (26 Week Term)	$5,000	$5,000	2.25%	2.27%
MISCA (2 Year Term)	$10,000	$10,000	3.00%	3.04%
E-Share Certificates
3 Month	$250	$250	1.85%	1.86%
6 Month	$250	$250	2.10%	2.12%
1 Year	$250	$250	2.85%	2.88%
18 Month	$250	$250	2.50%	2.52%
2 Years	$250	$250	3.10%	3.14%
2 1/2 Years	$250	$250	3.20%	3.24%
5 Years	$250	$250	4.25%	4.32%
E-Money Mkt. Cert. (26 Week term)	$5,000	$5,000	2.50%	2.53%
E-MISCA (2 Year Term)	$10,000	$10,000	3.25%	3.30%
IRA Certificates
1 Year	$250	$250	2.85%	2.88%
1 Year Starter	$250	$250	5.10%	5.20%
18 Month	$250	$250	3.00%	3.03%
2 Years	$250	$250	3.25%	3.29%
2 1/2 Years	$250	$250	3.35%	3.39%
5 Years	$250	$250	4.00%	4.06%

Account Terms

Rate Information - The dividend rate and annual percentage yield (APY) on your accounts are set forth above. Dividend rates are set by the Board of Directors and are subject to change.
Compounding and Crediting - Dividends will be credited and compounded monthly for MISCA and Money Market Certificates and quarterly for all other certificates.
Balance Requirements - The minimum balance required to open each account is set forth above.
Balance Computation Method - Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day.
Accrual of Dividends - Dividends will begin to accrue on the business day your certificate is opened.
Early Withdrawal Penalties - On accounts with qualifying periods of one year or less, closed before maturity, there will be a penalty equivalent to 90 days of dividends. On qualifying periods over one year, there will be a penalty equivalent to 180 days of dividends.
Renewal Process - Your certificate will automatically renew at maturity unless you advise us of your desire not to renew prior to maturity.
Nature of Dividends - USPS FCU is a member owned financial cooperative and dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.

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