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Checking and Savings
Share Account Rates

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Share Product
DIVIDEND
RATE
APY*
Regular Share Account 0.80% 0.80%
Custom Savings Account 0.80% 0.80%
IRA Share Account 1.55% 1.56%
Money Management Share Account - Prime
$2000 - $9,999.99
$10,000 - $24,999.99
$25,000 and up
 
2.25%
2.40%
2.50%
 
2.27%
2.43%
2.53%
Money Management Share Account - Premiere
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and up
 
2.55%
2.65%
3.10%
 
2.58%
2.68%
3.14%
*Annual Percentage Yields (APY) are declared monthly.

SHARE CERTIFICATES
Minimum Balances of $500

Term
DIVIDEND
RATE
APY*
CAPITAL CLUB
DIVIDEND RATE
CAPITAL CLUB
APY
6-Month Certificate 3.00% 3.03%
12-Month Certificate 3.25% 3.29%
24-Month Certificate 3.40% 3.44% 3.90% 3.96%
36-Month Certificate 3.55% 3.60% 4.05% 4.11%
48-Month Certificate 3.65% 3.70% 4.15% 4.22%
60-Month Certificate 3.75% 3.80% 4.25% 4.32%


JUMBO SHARE CERTIFICATES
Balances $100,000 or greater

Term
DIVIDEND
RATE
APY*
6-Month Certificate 3.25% 3.29%
12-Month Certificate 3.50% 3.55%
24-Month Certificate 3.90% 3.96%
36-Month Certificate 4.05% 4.11%
48-Month Certificate 4.15% 4.22%
60-Month Certificate 4.25% 4.32%


TRADITIONAL and ROTH IRA SHARE CERTIFICATES
Minimum Balances of $500

Term
DIVIDEND
RATE
APY*
CAPITAL CLUB
DIVIDEND RATE
CAPITAL CLUB
APY
12-Month IRA Certificate 3.35% 3.39%
24-Month IRA Certificate 3.50% 3.55% 4.00% 4.06%
36-Month IRA Certificate 3.65% 3.70% 4.15% 4.22%
48-Month IRA Certificate 3.75% 3.80% 4.25% 4.32%
60-Month IRA Certificate 3.85% 3.91% 4.35% 4.42%


* Share Certificate Annual Percentage Yields (APY) are effective: 8-01-2008 through 8-31-2008. Early withdrawal penalty applies. You must maintain a minimum daily balance of $2,000 in your Prime Money Management Share Account and $25,000 in your Premiere Money Management Share Account each day to obtain the disclosed annual percentage yield.


Please call 703-706-5000 or 800-296-8882 toll-free for additional disclosures and information. SDFCU is federally insured by the National Credit Union Administration.

For more information on Jumbo Certificates of $100,000 or more, please call 703-706-5182.

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