A higher rate for a longer-term share certificate.
An option to take advantage of rising rates later.*
Guaranteed return with the safety of NCUA insurance.**

A minimum deposit of 500 USD is required.

Apply online at www.unfcu.org by logging onto Internet Banking
and completing "New Share Certificate" under "Online Forms".

You can also call us at + 1 347-686-6000 or 1 800-891-2471 to speak with a member service representative or visit your local branch/representative office for more information.

If rates rise, contact UNFCU anytime after your 30-Month "Flex" Share Certificate has been opened to request a one-time rate increase. Your rate will be changed to the prevailing 30 Month Share Certificate rate on the day we receive your request. New rate applies only to the remaining term of your 30 Month Flex Share Certificate. All other terms and conditions, including penalties for early withdrawal, remain the same. See our Schedule of Fees and Service Charges at www.UNFCU.org for more information.

*Rates may not be converted to promotional rates or any other special offers. After the Flex feature has been exercised, the new dividend rate will be reflected in the statement of the month that the option was exercised. You will not receive an additional Share Certificate receipt upon exercising your flex rate option. Flex options must be exercised within the initial term and cannot be carried over into a renewal term.

**This credit union is federally insured by the National Credit Union Administration (NCUA). Accounts and shares are insured by the Administration to the maximum insurance amount for each member or shareholder. Unless otherwise noted, fees may be associated with certain products and services. Certain UNFCU products and services are subject to approval. Federal and state laws may limit the availability of certain products and services in select areas. Granting credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted.

© 2010 UNFCU and 'serving the people who serve the world' are registered marks of United Nations Federal Credit Union. All rights reserved. 07/2010.