RATES UGEFCU

Disclosure of Account Terms

Account Type	Minimum Balance For APY	Compounded/Credited	Interest Rate	APY
Share (Savings)	$25.00	Qrtly/Qrtly	0.35%	0.35%
Share Draft (Checking)	$25.00	Qrtly/Qrtly	0.10%	0.10%
Money Market $500 -$24,999.99 $25,000 -$74,999.99 $75,000 -$149,999.99 $150,000 and up	$500.00 $25,000.00 $75,000.00 $150,000.00	Monthly/Monthly Monthly/Monthly Monthly/Monthly Monthly/Monthly	0.60% 0.70% 0.80% 1.00%	0.60% 0.70% 0.80% 1.00%
Christmas Club	$25.00	Qrtly/Qrtly	0.35%	0.35%
Vacation Club	$25.00	Qrtly/Qrtly	0.35%	0.35%
Tax Club	$25.00	Qrtly/Qrtly	0.35%	0.35%

APY = Annual Percentage Yield

Account Type	Interest Rate*	Minimum Balance To Open	Minimum Balance For APY	APY**	Compounded/Credited
6 Months	1.00%	$500	$500	1.00%	Monthly/Monthly
12 Months	3.70%	$500	$500	3.75%	Qrtly/Qrtly
18 Months	2.72%	$500	$500	2.75%	Qrtly/Qrtly
24 Months	2.87%	$500	$500	2.90%	Qrtly/Qrtly
36 Months	2.92%	$500	$500	2.95%	Qrtly/Qrtly
60 Months	2.97%	$500	$500	3.00%	Qrtly/Qrtly

*APR = Annual Percentage Rate
**APY=Annual Percentage Yield

Account Type	Minimum Balance To Open	Minimum Balance For APR	Compounded/Credited
Variable IRA	None	$25.00	Qrtly/Qrtly
1 Year IRA Certificate	$500	$500	Qrtly/Qrtly
3 Year IRA Certificate	$500	$500	Qrtly/Qrtly
5 Year IRA Certificate	$500	$500	Qrtly/Qrtly

APY = Annual Percentage Yield

Location & Credit Union Office Information:
215 Old Campion Road, New Hartford, New York 13413-4953

Office Hours:
Monday - Friday 7:30am-4:00pm

Drive-Thru Window Hours:
Monday - Friday 7:00am-4:00pm
24-hour drive-up ATM

Access to your account by phone,
24-Hours a Day, 7 Days a Week
1-315-733-1592

Telephone: 1-315-733-1596
Toll-Free: 1-800-990-7499
Fax: 1-315-733-0228

E-mail:
ugefcu@ugefcu.com

Supervisory Committee:
supervisoryc@ugefcu.com