Current Rates

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Rates as of September 1, 2010

Savings and Checking Accounts

For dividend period: September 1, 2010

Dividends calculated on daily balance, and credited and compounded monthly. Dividend rates and Annual Percentage Yields (APY) may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings.

Account	Dividend Rate	APY
Membership Savings $5 minimum opening deposit	0.25%	0.25%
Preferred, AddsUp or Select Checking	0.10%	0.10%
AddsUp Checking Balance up to $15,000 Balance more than $15,000	4.00% 0.25%	4.07% 0.25%
Savings No minimum balance to open or earn dividends	0.25%	0.25%
Christmas Club No minimum balance to open or earn dividends	0.25%	0.25%
Funeral Trust No minimum balance to open or earn dividends	0.25%	0.25%
HSA Savings & Checking $0 - $9,999.99 $10,000.00 and more	0.50% 0.75%	0.50% 0.75%
Membership Savings with Life Insurance Opened before 7/1/96 Balance up to $4,000 Balance more than $4,000	0.10% 0.25%	0.10% 0.25%
Money Market Savings & Checking No minimum balance to open As of September 1, 2010
$0 - $9,999.99	0.25%	0.25%
$10,000 - $24,999.99	0.70%	0.70%
$25,000 - $49,999.99	0.80%	0.80%
$50,000 - $99,999.99	0.90%	0.90%
$100,000 and more	1.05%	1.06%
Achieve Money Market* As of September 1, 2010
$ 0 - $24,999.99	0.50%	0.50%
$25,000 and more	1.14%	1.15%
* $15 fee in any month if balance drops below $25,000.00. * $15 fee for each withdrawal over 3 each month. * $1,000 minimum withdrawal and deposit.

Please contact us about fees, terms or for more information about any of these accounts.

Certificates and IRAs

Annual Percentage Yields (APY) as of September 1, 2010

Certificates and IRAs can be automatically renewed. APYs subject to change. Early withdrawal penalty: 90 days dividends on 3, 6, & 12 month certificates, 180 days on certificates 15 months and longer and IRAs. Dividends calculated on daily balance, and credited and compounded monthly. Dividend rates and Annual Percentage Yields (APY) may be changed monthly after the account is opened, based on market conditions. Withdrawals and service charges may reduce earnings.

Deposit Amount			Basic MVP Level		Silver MVP Level		Gold MVP Level
TERM	COMPOUNDED	MINIMUM BALANCE TO OPEN & EARN APY	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
3 month	@ Maturity	$5,000	0.25%	0.25%	0.60%	0.60%	1.00%	1.00%
6 month	Monthly	$1,000	0.49%	0.49%	0.84%	0.84%	1.24%	1.25%
12 month	Monthly	$1,000	0.74%	0.74%	1.09%	1.10%	1.49%	1.50%
18 month	Monthly	$1,000	0.99%	0.99%	1.34%	1.35%	1.74%	1.75%
24 month	Monthly	$1,000	1.23%	1.24%	1.58%	1.59%	1.98%	2.00%
36 month	Monthly	$1,000	1.62%	1.63%	1.97%	1.99%	2.37%	2.40%
36 month Step-Up	Monthly	$5,000	1.23%	1.24%	1.58%	1.59%	1.98%	2.00%
48 month	Monthly	$1,000	2.01%	2.03%	2.36%	2.39%	2.76%	2.80%
60 month	Monthly	$1,000	2.16%	2.18%	2.51%	2.54%	2.91%	2.95%
18 month Fixed Rate IRA	Monthly	$500	0.99%	0.99%	1.34%	1.35%	1.74%	1.75%
60 month Fixed Rate IRA	Monthly	$500	2.16%	2.18%	2.51%	2.54%	2.91%	2.95%
18 month Variable Rate IRA	Daily	$50	0.90%	0.90%	< Rate and APY same on all MVP levels.
12 month Fixed Rate Health Savings	Monthly	$500	0.74%	0.74%	1.09%	1.10%	1.49%	1.50%

Reach MVP Level with Direct Deposit into an active WESTconsin Personal Checking Account and $15,000 in balances for Silver, or $30,000 or a first mortgage real estate loan for Gold.

Amounts over $250,000 are subject to WESTconsin Credit Union's discretion.

Please contact us about fees, terms or for more information about any of these accounts.

CALL-24 account access-Menomonie: 232-7300 Elsewhere: (888) 928-2255 (WCU CALL)
To report a lost/stolen debit or credit card: (800) 449-7728

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