No matter what your reason for saving, CCFCU can help you find the high-yield account that best fits your needs.

REGULAR SAVINGS

The minimum requirement for credit union membership is to open and maintain a Share Savings Account at CCFCU with a balance of at least $5.00. This account is ideal for regular deposits to build your nest egg. You will be surprised how fast your savings will grow with even a small deposit made regularly. The dividends on Share Savings are very competitive, and declared quarterly by the CCFCU Board of Directors based upon the credit union's earnings. Dividends are calculated daily, paid and compounded quarterly. Dividends are earned on the whole balance each day, providing you maintain the minimum balance of $5.00 or more.

Members can make deposits into Share Savings through any CO-OP or Bank of the West ATM, by mail, Direct Deposit of your net check or a payroll deduction plan. Withdrawals can be made at our offices or any ATM displaying the CO-OP Network, STAR or PLUS symbols, by mail, @ccessOnline, our online banking service or telephone when using our AccessLine, our 24-hour telephone system.

WHAT ARE CCFCU's CATEGORIES OF OWNER/MEMBERSHIP?

Primary (Single) Ownership
For your use only. No one else has access to these funds. In event of death, funds will be released to your designated beneficiary or estate.

Joint Ownership
Two or more persons have access to funds (one of whom must be a Primary Member). Your joint owner can purchase and withdraw shares, but cannot vote, obtain loans or hold office at the credit union unless she/he is also a qualified member. In event of death, surviving owner(s) shall own all shares.

Beneficiary Accounts
If you would like to establish a savings account in the name of a beneficiary, Contra Costa Federal Credit Union offers two account options:

Trustee Account - A Trustee Account can be opened to put money aside for a beneficiary. The primary member is the owner of this account and is known as the trustee. The trustee must qualify for membership to open the account. The account is revocable which means the funds can be withdrawn by the trustee without penalty.

Transfer to Minors - Transfer to Minors account is similar to a Trust Account in that it sets money aside for a beneficiary; however, it is irrevocable. This means the funds are considered a permanent gift to the minor and cannot be used for any other purpose. A Transfer to Minor account often set up to accommodate funds being transferred to the minor from a trust, estate, or guardianship. Once the minor reaches age 18, the funds are transferred to their ownership.

Both the Transfer to Minors and Trustee account can be opened with a deposit of only $5.00.

MONEY MARKET

If you generally maintain a higher savings balance, then the Money Market Share Account may be for you. These accounts are designed for those who want to earn higher dividends, but still need liquidity for short-term needs. You can maximize your earning potential and still have access to your money! Also, your savings are federally insured by the National Credit Union Administration (NCUA) up to $100,000.

Features of this account include the following:

• Competitive dividend rates calculated and paid monthly
• Tiered rates for balances over $2,500, $25,000 and $75,000
• 24/7 account access through @ccessLine Phone Banking and @ccessOnline Computer Banking
• No monthly fees
• Direct deposit
• $2,500 opening balance required

Rates are subject to change weekly.

CHECKING

No minimum balance
No monthly service charge
No per-check fees
Dividends earned on balances of $500 or more
Unlimited check writing
Optional Overdraft Protection
Plus, MasterMoney Check Card or ATM card

Each month you'll receive an easy-to-read statement with a record of all your transactions.

Discover just how convenient a CCFCU Checking Account is for withdrawals, transfers or deposits by mail, @ccessOnline, AccessLine, Direct Deposit or through any CO-OP ATMs.

You can also choose to add the optional MasterMoney Symbol to your CCFCU ATM card for an additional option to access your checking account. This one card not only allows access at ATMs but can be used anyplace accepting MasterCard. The amount of the purchase is automatically deducted from your credit union checking account.

Overdraft protection is also available from Share Savings or FastFunds (pre-arranged loan).

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

Designed to help you assure the financial security of your retirement years, an IRA allows you to save for the future with a tax advantage. There is no minimum deposit required to open your IRA. The account earns a competitive interest rate that is declared by the CCFCU Board of Directors each quarter. The earnings on your IRA are tax deferred. IRA accounts are insured separately, up to $250,000 by NCUA, a U.S. Government agency.

SHARE CERTIFICATES

With a minimum deposit of $1,000 you can take advantage of these high yielding certificate savings plans. If you're serious about investing, you know that a higher rate will increase your return. CCFCU always pays among the highest certificate rates available. Your rates will be compounded daily for an even higher annual yield. The program offers a six or 12-month Share Certificate at various rates based on the amount of the deposit (see "Savings Rates" for current yields. You can select the term that best fits your plans. Be sure to inquire on how you can add .10% on your share certificate, if you open a convenience package.

Savings of CCFCU Member/Owners are insured up to $100,000 by the National Credit Union Administration, rated the strongest federal financial insurance fund. IRA investments are insured to a separate $250,000 by this same agency. Click on the NCUA logo at the top of the page to get answers to questions regarding insurance on your deposits with us.

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.

CHRISTMAS CLUB

A Christmas club account may be opened anytime. Funds are distributed to members annually on or about October 2nd. Contributions can be made through payroll deductions, by mail, Access Line Direct Deposit.

NOTE

If you have an account at the credit union you may want to update your personal information. Maybe you need to change the pay-on-death beneficiary, joint owner, etc.