Savings

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=85 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <B>  TRANSIT OPERATIONS FEDERAL CREDIT UNION</B></div> <div>  |  Savings   |   <A HREF="id36.htm" TARGET="_top" TITLE="Share Drafts (Checking)"><U>Share Drafts (Checking)</U></A>   |   <A HREF="id24.htm" TARGET="_top" TITLE="Consumer and Home Equity Loans"><U>Consumer and Home Equity Loans</U></A>   |   <A HREF="id25.htm" TARGET="_top" TITLE="Home Mortgage and Reality Services"><U>Home Mortgage and Reality Services</U></A>   |   <A HREF="id37.htm" TARGET="_top" TITLE="Other Member Benefits"><U>Other Member Benefits</U></A>   |   <A HREF="id39.htm" TARGET="_top" TITLE="Calculators"><U>Calculators</U></A></div> <div> <B>                         Products & Services</B><FONT SIZE="1" COLOR="#000000" FACE="Arial" ><B> </B></FONT></div> <div> <FONT SIZE="1" COLOR="#0000BF" FACE="Arial" > |  </FONT><U>Savings</U>   |   <A HREF="id36.htm" TARGET="_top" TITLE="Share Drafts (Checking)"><U><U>Share Drafts (Checking)</U></U></A>   |   <A HREF="id24.htm" TARGET="_top" TITLE="Consumer and Home Equity Loans"><U><U>Consumer and Home Equity Loans</U></U></A>   |   <A HREF="id25.htm" TARGET="_top" TITLE="Home Mortgage and Reality Services"><U><U>Home Mortgage and Reality Services</U></U></A>   |   <A HREF="id37.htm" TARGET="_top" TITLE="Other Member Benefits"><U><U>Other Member Benefits</U></U></A>   |   <A HREF="id39.htm" TARGET="_top" TITLE="Calculators"><U><U>Calculators</U></U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=180 BGCOLOR="#990033" TEXT="#080000"> <div> <A HREF="index.htm" TARGET="_top" TITLE=" TRANSIT OPERATIONS FEDERAL CREDIT UNIO"><U><B>Home</B></U></A></div> <bR> <div> <A HREF="id18.htm" TARGET="_top" TITLE="About"><U><B>About</B></U></A></div> <bR> <div> <A HREF="id21.htm" TARGET="_top" TITLE="Products Services"><U><B>Products & Services</B></U></A></div> <bR> <div> <A HREF="id17.htm" TARGET="_top" TITLE="Contact Us "><U><B>Contact Us</B></U></A></div> <bR> <div> <A HREF="id20.htm" TARGET="_top" TITLE=" Hours Location"><U><B>Location</B></U></A></div> <bR> <div> <A HREF="id26.htm" TARGET="_top" TITLE="Privacy"><U><B>Privacy</B></U></A></div> <bR> <div> <A HREF="id19.htm" TARGET="_top" TITLE="News Events"><U><B>News & Events</B></U></A></div> <bR> <div> <A HREF="id39.htm" TARGET="_top" TITLE="Calculators"><U><B>Calculators</B></U></A></div> </td> <td valign="top" height=395 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I><B>                                               </B></I><I><B>Savings</B></I></div> <DIV ALIGN="LEFT"></DIV> <div>        Build your way to financial security by saving at TOFCU!</div> <div> We offer competitve rates and the security of knowing that all funds deposited at your credit union are guaranteed up to $100,000 by the NCUA, an agency of the federal government.  We offer a number of savings plans - plus the convenience of both payroll deduction and direct deposit - to help you plan and achieve your savings goals.  We have plans for retirement, special occasions, or for the peace of mind in building that "rainy day fund" to be there in times of need.  Stop in or give us a call (or email) for more information on how we can help you take charge of your own financial future!</div> <div> <B>                                      Rates are effective as of May 21, 2008</B></div> <DIV ALIGN="LEFT"></DIV> <div> <B>Daily Interest Accounts</B></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="682" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 34 WIDTH="141"><div> <B>Account Type</B></div> <bR> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Minimum Balance to </B></div> <div> <B>Open / Maintain Account</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD WIDTH="184"><div> <B>Account Balance</B></div> </tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Annual Percentage </B></div> <div> <B>Yield  (APY)</B></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> Shares</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $35</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> to $2,000</div> </tD> <tD VALIGN=TOP WIDTH="140"><div>   0.50%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> Shares</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $35</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $2,000 to $10,000</div> </tD> <tD VALIGN=TOP WIDTH="140"><div> 0.75%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> Shares</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $35</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $10,000+</div> </tD> <tD VALIGN=TOP WIDTH="140"><div> 1.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> IRA</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $5</div> </tD> <tD VALIGN=TOP WIDTH="184"><div> $5+</div> </tD> <tD VALIGN=TOP WIDTH="140"><div> 2.50%</div> </tD> </tR> </TABLE></div> <div> <B>The above rates are prospective dividend rates and anticipated Annual</B></div> <div> <B>Percentage Yields (APY) for the current dividend period.  These rates</B><B> may</B></div> <div> <B>change as determined by the credit union Board of Directors.  Any fees</B></div> <div> <B>you inccur will reduce the earnings on your accounts.</B></div> <bR> <div> <B>Certificate Accounts</B></div> <div> <B>Annual Percentage Yield (APY)</B></div> <bR> <div> <TABLE BORDER="2" CELLPADDING="2" CELLSPACING="1" WIDTH="563" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="BOX" RULES="ALL" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=TOP BGCOLOR=#DDDDDD HEIGHT= 32 ><NOBR><div> <B>Certificate Term*</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Minimum Balance</B></div> <div> <B>$1000</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Minimum Balance</B></div> <div> <B>$5000</B></div> </NOBR></tD> <tD VALIGN=TOP BGCOLOR=#DDDDDD><NOBR><div> <B>Minimum Balance</B></div> <div> <B>$10,000</B></div> </NOBR></tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div>   6 Months</div> </tD> <tD VALIGN=TOP WIDTH="137"><div> 2.00%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.25%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.50%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> 12 Months</div> </tD> <tD VALIGN=TOP WIDTH="137"><div> 2.25%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.50%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.75%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> 18 Months</div> </tD> <tD VALIGN=TOP WIDTH="137"><div> 2.30%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.60%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.85%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> 24 Months</div> </tD> <tD VALIGN=TOP WIDTH="137"><div> 2.50%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 2.75%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 3.00%</div> </tD> </tR> <tR> <tD VALIGN=TOP HEIGHT= 16 WIDTH="141"><div> 36 Months</div> </tD> <tD VALIGN=TOP WIDTH="137"><div> 2.75%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 3.00%</div> </tD> <tD VALIGN=TOP WIDTH="126"><div> 3.25%</div> </tD> </tR> </TABLE></div> <bR> <div> * <FONT SIZE="2" COLOR="#000000" FACE="Arial" >A penality will be imposed  for early withdrawal</FONT></div> <div>         <IMG SRC="08096380.gif" border=0 width="150" height="56" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></div> <bR> </td> </tr></table></body>