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SAVINGS DIVIDEND RATES


PROSPECTIVE DIVIDEND RATE & APY: March 31, 2012
"APY" is Annual Percentage Yield.
"ADB" is Average Daily Balance.


Share Accounts:......... Dividend Rate = 0.15% APY Rate = 0.15%
$100 ADB required to earn dividend.

Club Accounts:........... Dividend Rate = 0.15% APY Rate = 0.15%

IRA Share Accounts:....Dividend Rate = 0.25% APY Rate = 0.25%
$25.00 Minimum Deposit Required.

Super Shares Account: Rate based on Average Daily Balance over Period
$2,000 and above         Dividend Rate = 0.25% APY Rate = 0.25%


LAST DIVIDEND DECLARATION DATE: December 31, 2011

Share Accounts:..........Dividend Rate = 0.15% APY Rate = 0.15%
$100 ADB required to earn dividend.

Club Accounts:............Dividend Rate = 0.15% APY Rate = 0.15%

IRA Share Accounts:....Dividend Rate = 0.25% APY Rate = 0.25%
$25.00 Minimum Deposit Required

Super Shares Account: Rate based on Average Daily Balance over Period
$2,000 and above         Dividend Rate = 0.25% APY Rate = 0.25%


PROSPECTIVE DECLARATION DATE: OCTOBER 31, 2012
Christmas Clubs:..........Dividend Rate = 0.20% APY Rate = 0.20%

LAST DIVIDEND DECLARATION DATE: OCTOBER 31, 2011
Christmas Clubs:..........Dividend Rate = 0.45% APY Rate = 0.45%

CERTIFICATE RATES:  January 25, 2012 - January 31, 2012

TERM             DIVIDEND RATE          APY             DIVIDEND RATE     APY 
                      
(NON-COMPOUNDING)                                                          (COMPOUNDING)

 6  MONTH                    0.20%*                        0.20%*                   0.20%                      0.20%
 9  MONTH                    0.20%*                        0.20%*                   0.20%                      0.20%
12 MONTH                    0.25%**                      0.25%**                  0.25%**                  0.25%**
18 MONTH                    0.40%*                        0.40%*                   0.40%                      0.40%
24 MONTH                    0.50%*                        0.50%*                   0.50%                      0.50%
27 MONTH                    0.75%*                        0.75%*                   0.75%                      0.75%
36 MONTH                    0.80%*                        0.80%*                   0.80%                      0.80%

A minimum balance of $1,000 is required to be maintained for all regular Share Certificates.
A minimum balance of $300 is required to be maintained for all regular Share Certificates on minor accounts (age 0-18).
* Dividend payments are mandatory, but the dividends cannot remain in the account.
** 12-month CD has 1 time penalty-free withdrawal.

A penalty may be imposed for early withdrawal.



IRA CERTIFICATES OF DEPOSIT:  January 25, 2012 -  January 31, 2012

                                                                    DIVIDEND RATE                   APY

18-Month IRA CD $500 minimum balance                   0.40%                         0.40%
24-Month IRA CD $500 minimum balance                   0.50%                         0.50%
36-Month IRA CD $500 minimum balance                   0.80%                         0.80%
48-Month IRA CD $500 minimum balance                   1.00%                         1.00%
60-Month IRA CD $500 minimum balance                   1.15%                         1.16%

*A penalty may be imposed for early withdrawal.
Contact an Employee about applicable fees and terms.


NAECU Services Inc. has annuities and long-term care insurance available through major insurance carriers. For additional information - visit our NAECU SERVICES INC. page by CLICKING HERE.


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North Alabama Educators Credit Union