This rate schedule states rates applicable to specified accounts and fees common to all accounts. This schedule is incorporated as a part of your account agreement with Coast-Tel Federal Credit Union.   REGULAR SHARE ACCOUNT RATES – as of Dec 28, 2011 Type Balance Required Dividend Rate Annual Percentage Yield* Regular Share Account $100 0.05% 0.05% $10,000 0.05% 0.05% Young Savers Account $5 0.05% 0.05% $10,000 0.05% 0.05% Sub Share Account $100 0.05% 0.05% $10,000 0.05% 0.05% Christmas Club $100 0.05% 0.05% $10,000 0.05% 0.05% Regular Share IRA $5 0.05% 0.05% $10,000 0.05% 0.05%   *Dividends compounded quarterly SSSSSSSSSSSSSSSSSSSS   Back to Top

INVESTMENT SHARE  ACCOUNT RATES – as of Jan. 1, 2012 Minimum Balance Dividend Rate Annual Percentage Yield* $2,000 0.05% 0.05% $10,000 0.10% 0.10% $50,000 0.15% 0.15%      *Dividends compounded monthly SSSSSSSSSSSSSSSS Back to Top   Additional terms and conditions apply. Penalties may apply for early withdrawal. Consult your truth in savings documents for additional information on this account.

SHARE CERTIFICATE AND IRA  SHARE CERTIFICATES – as of Dec 28, 2011   Term Minimum Required Dividend Rate Annual Percentage Yield* 6 Month $1,000 0.10% 0.10% $10,000 0.10% 0.10% 12 Month $1,000 0.10% 0.10% $10,000 0.15% 0.15% 24 Month $1,000 0.25% 0.25% $10,000 0.30% 0.30% 36 Month $1,000 0.30% 0.30% $10,000 0.35% 0.35%   *Dividends compounded monthly on 6 month certificates. All others compound quarterly. SSSSSSSSSSSSSSSSSSSSSSSS   Back to Top   Penalty may be imposed for early withdrawal. Additional terms and conditions apply. Penalties may apply for early withdrawal. Consult your truth in savings documents for additional information on this account.  All member accounts are insured by the National Credit Union Administration (NCUA) to at least $250,000. IRA accounts insured separately up to $250,000 through NCUA