SFCU May 8, 2008
         
                     VARIABLE RATE SHARE ACCOUNTS
Sidney Federal Credit Union Rates and APYs are effective as of the date above 
42 Union Street All rates are reviewed weekly and could change at anytime at the Credit Union discretion.
Sidney, NY 13838 (Last change for shares 3/01/08)
607-967-7101 / 877-642-SFCU Type of Account Minimum  Suffix  Average Daily Balance   Dividend Annual 
  Balance    required to obtain the   Rate Percentage
With Branch Offices In:   to Open    Annual Percentage Yield  (APR) Yield (APY)
 Main Share $6.00 0 $100.00 0.50% 0.50%
Bainbridge       Par Value of Shares     $500.00 0.50% 0.50%
16 South Main St       for membership     $5,000.00 0.75% 0.75%
Bainbridge, NY  13733  Escrow None 1 None 0.50% 0.50%
 Christmas Club None 2 None 0.50% 0.50%
 Money Management $2,500.00 3 $2,500.00 1.00% 1.00%
Greene       $5,000.00 1.25% 1.26%
65 Genesee St       $10,000.00 1.50% 1.51%
Greene, NY  13778  Insurance None 4 None 0.00% 0.00%
 Vacation Club None 5 None 0.50% 0.50%
 Tax Club None 6 None 0.50% 0.50%
Hancock  Extra Christmas Club None 7 None 0.50% 0.50%
494 West Main St  Share Draft Checking None 9 None 0.00% 0.00%
Hancock, NY  13783 Par Value of Shares: Minimum required to open any account is the purchase of a $5.00 par value of share in the Credit Union.
Fees: There is a $1.00 non-refundable membership fee when a main share account is opened.
Norwich REGULAR TERM SHARE CERTIFICATES
East River Rd & Rt 23
Norwich, NY  13815 Last change for certificates (5/8/08)
Type of Certificate Type Code Term  Minimum Balance   Dividend Annual 
       required to open and obtain  Rate Percentage
Oneonta        the Annual Percentage Yield  (APR) Yield (APY)
75 Oneida Street  Regular Fixed Rate 91A 91 Day $1,000.00 2.20% 2.22%
Oneonta, NY  13820   6A 6 Month $1,000.00 2.50% 2.53%
  9A 9 Month $1,000.00 2.50% 2.53%
  12A 12 Month $500.00 2.60% 2.63%
Oneonta   18A 18 Month $500.00 2.60% 2.63%
53 Market Street   24A 24 Month $500.00 2.80% 2.84%
Oneonta, NY  13820   30A 30 Month $500.00 2.80% 2.84%
  36A 36 Month $500.00 3.00% 3.04%
  48A 48 Month $500.00 3.25% 3.30%
Walton  Variable Rate Adjustable 12C 12 Month $10,000.00 2.60% 2.63%
Big M Plaza   24C 24 Month $10,000.00 2.80% 2.84%
3 Liberty St   36C 36 Month $10,000.00 3.00% 3.04%
Walton, NY  13856 Once a Variable Rate Adjustable certificate is opened, the rate will only change upon your written request. These will 
not automatically renew at maturity and the balance will be transferred to the share suffix  you selected when opened.
The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes.
The APY is based on an assumption that dividends will remain on deposit until maturity.
Website: Dividends are calculated by the average daily balance method. A penalty will be imposed if a
www.sfcuonline.org withdrawal is done prior to the maturity date. The penalty could result in a deduction of principal. 
All term share certificates are subject to the following dividend penalties.
NEW SIGN 2006
Terms of 91 days, 6 months, 9 months and 12 months are subject to a 30 day penalty of dividends.
Terms of 18 months and 24 months are subject to a 90 day penalty of dividends.
Terms of 30 months, 36 months and 48 months are subject to a 180 day penalty of dividends.
When opening a term share certificate certain restrictions apply, see Par Value of Share and Fees above.
Ask About "Special" Rates for deposits of $100,000.00 or more.
IRA Term Share Certificates
Last change for IRA's (3/27/08)
TYPE Type Code Term  Minimum Balance   Dividend Annual 
       required to open and obtain   Rate Percentage
       the Annual Percentage Yield  (APR) Yield (APY)
           
TRADITIONAL IRA OII  1 Month $5.00 0.50% 0.50%
Fixed Rate 91I 91 Day $1,000.00 2.20% 2.22%
  6I 6 Month $1,000.00 2.50% 2.53%
  9I 9 Month $1,000.00 2.50% 2.53%
  12I 12 Month $500.00 2.60% 2.63%
  18I 18 Month $500.00 2.60% 2.63%
  24I 24 Month $500.00 2.80% 2.84%
  30I 30 Month $500.00 2.80% 2.84%
  36I 36 Month $500.00 3.00% 3.04%
  48I 48 Month $500.00 3.25% 3.30%
           
ROTH IRA 1R 1 Month $5.00 0.50% 0.50%
Fixed Rate 91R 91 Day $1,000.00 2.20% 2.22%
  6R 6 Month $1,000.00 2.50% 2.53%
  9R 9 Month $1,000.00 2.50% 2.53%
  12R 12 Month $500.00 2.60% 2.63%
  18R 18 Month $500.00 2.60% 2.63%
  24R 24 Month $500.00 2.80% 2.84%
  30R 30 Month $500.00 2.80% 2.84%
  36R 36 Month $500.00 3.00% 3.04%
  48R 48 Month $500.00 3.25% 3.30%
           
ROTH CONVERSION IRA 1RC 1 Month $5.00 0.50% 0.50%
Fixed Rate 91RC 91 Day $1,000.00 2.20% 2.22%
  6RC 6 Month $1,000.00 2.50% 2.53%
  9RC 9 Month $1,000.00 2.50% 2.53%
  12RC 12 Month $500.00 2.60% 2.63%
  18RC 18 Month $500.00 2.60% 2.63%
  24RC 24 Month $500.00 2.80% 2.84%
  30RC 30 Month $500.00 2.80% 2.84%
  36RC 36 Month $500.00 3.00% 3.04%
  48RC 48 Month $500.00 3.25% 3.30%
Payroll Deduction available on 1 month term / No set up fee or maintenance fees.
We accept Rollovers, Direct Rollovers from Qualified Retirement Plans and Direct Transfer Contributions.
There will be no dividend penalty on IRA Certificates if the IRA owner is 59 1/2 years of age or older.
There are no dividend penalties on the 1 month certificate.
Coverdell Education Savings Account
Fixed Rate 1ED 1 Month $5.00 0.50% 0.50%
  91ED 91 Day $500.00 2.20% 2.22%
  6ED 6 Month $500.00 2.50% 2.53%
  9ED 9 Month $500.00 2.50% 2.53%
  12ED 12 Month $500.00 2.60% 2.63%
  18ED 18 Month $500.00 2.60% 2.63%
  24ED 24 Month $500.00 2.80% 2.84%
  30ED 30 Month $500.00 2.80% 2.84%
  36ED 36 Month $500.00 3.00% 3.04%
  48ED 48 Month $500.00 3.25% 3.30%
There are no dividend penalties on the 1 month certificate.
See the Regular Term Share Certificate information on the reverse side for dividend penalties.
Health Savings Account
Type of Account Minimum  Suffix  Average Daily Balance   Dividend Annual 
  Balance    required to obtain the   Rate Percentage
  to Open    Annual Percentage Yield  (APR) Yield (APY)
Checking $5.00 8 $100.00 1.00% 1.00%
      $500.00 2.50% 2.53%
      $5,000.00 3.00% 3.04%