Savings Rates

Rates are effective as of:
Wednesday, May 07, 2008

Rates are subject to change at any time.

Some accounts require minimum balances and are subject to early withdrawal penalties. For further information regarding rates, fees and terms for specific accounts please contact your Silver State Schools Credit Union representative at (702)733-8820 or (800)357-9654.

Account Type	Rate	APY*
Regular Savings (Membership Account): Minimum $100 to open	.50 %	.50 %
Regular Checking: Balances from $0.00-$999.99	0.00 %	0.00 %
Balances from $1,000.00-$4,999.99	0.05 %	0.05 %
Balances from $5,000.00 and above	0.10 %	0.10 %

Member Advantage
Adult Account (Age 18+)
Regular Savings & a designated Checking: Paid on daily min. balance up to $500.00; applied to both Regular (Membership) Savings and Checking.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up; and added to current published rate (see above) on Regular Savings.	0.50 %	0.50 %
MY Account (Adults age 18 to 25) - [Program coming May 1^st]
Regular Savings & a designated Checking: Paid on daily min. balance up to $500.00; applied to both Regular (Membership) Savings and Checking.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up; and added to current published rate (see above) on Regular Savings.	0.50 %	0.50 %
Junior Members (0 to 17)
Regular Savings: Paid on daily min. balance up to $500.00; applies to Regular (Membership) Savings.	5.84 %	6.00 %
Regular Savings: APY paid on daily min. balances $500.01 and up; and added to current published rate (see above) on Regular Savings.	0.50 %	0.50 %
In addition to the above balance requirements, certain other criteria must be met, in order to receive the SSSCU's Member Advantage program benefits; these are:
Adult (voting member 18 and over): Enrollment in e-Statements. Use e-Pay (bill payer) two times or more each month OR have a monthly Direct Deposit of $500 or more. MY Account Young Adult (non-voting members, ages 18 to 25) - Coming May 1^st: Enrollment in e-Statements. Electronic Checking. Junior (newborn through age 17): Enrollment in e-Statements. NOTE: EACH MONTH, A MEMBER'S LEVEL OF BENEFITS WILL BE AUTOMATICALLY CALCULATED (BASED ON THE CRITERIA SET OUT ABOVE) AND ADJUSTED TO ENSURE SSSCU'S MEMBER ADVANTAGE PROGRAM REQUIREMENTS ARE MET. IF ALL REQUIREMENTS ARE NOT MET, SSSCU'S MEMBER ADVANTAGE PROGRAM RATE ON SAVINGS AND CHECKING REVERTS TO THE PUBLISHED RATE(S) ON REGULAR SAVINGS AND CHECKING.

Regular Certificates Minimum $500 to open
3-5 month	2.35 %	2.38 %
6-11 months	2.70 %	2.73 %
12-23 months	2.85 %	2.89 %
24-35 months	3.05 %	3.09 %
36-47 months	3.30 %	3.35 %
48-59 months	3.55 %	3.61 %
60 months	3.75 %	3.82 %

Jumbo Certificates Minimum $100,000 to open
6-11 months	3.00 %	3.04 %
12-23 months	3.15 %	3.20 %
24-35 months	3.35 %	3.40 %
36 months	3.60 %	3.66 %

Jump-Up 24-Month Certificate Minimum $5,000 to open**
24 months	2.95 %	2.99 %

Retirement Accounts
IRA Shares
$0-$2,499	.60 %	.60 %
$2,500-$24,999	1.30 %	1.31 %
$25,000+	2.70 %	2.73 %
IRA Certificates and ROTH/Education IRA Minimum $500 to open
12-23 month	3.35 %	3.40 %
24-35 month	3.50 %	3.56 %
36-47 month	3.60 %	3.66 %
48-59 month	3.80 %	3.87 %
60 month	4.00 %	4.07 %

Jumbo IRA Certificates Minimum $100,000 to open
12 month	3.55 %	3.61 %
24 month	3.70 %	3.76 %

Money Market Account Minimum $2,500 to open
$0 - $2,499	.50 %	.50 %
$2,500 - $24,999	0.75 %	0.75 %
$25,000+	2.15 %	2.17 %

Money Market Plus
$0 - $99,999	.50 %	.50 %
$100,000+	2.75 %	2.79 %

*Indicates Annual Percentage Yield

**Member must present a Jump-Up rate coupon to take the jump. Coupon is received at the time of account opening. The interest rate and APY may be increased one-time during the 24-month term by redeeming the Jump-Up rate coupon. At the time of redemption, the Jump Rate APY will be equal to the current non-promotional 24-month Certificate rate in effect at the time of the jump. Once this option is used, or upon first maturity, the jump-up capability will expire. The new rate will carry forward from the date of the increase, and will not be retroactive. Early withdrawal penalties apply.