• The anticipated dividends rates and APYs shown are in effect as of July 1, 2010.
• Contact your USPS FCU Personal Service Representative team for current rates toll free at e at (800) 877-7328 or (301) 856-5000.
• The Annual Percentage Yield (APY) and Dividend Rate assume that dividends are added to principal.

Account Terms

• Rate Information - The Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The Annual Percentage Yield is 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 dividend period.
  
• *Account Limitations - For a Share Savings and MMSA accounts, no more than six (6) preauthorized, automatic, or telephone transfers 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 APY's shown below are in effect as of July 1, 2010.
• 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.

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. There is no Grace Period to withdraw without penalty after automatic renewal.
  
• 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.