HEW Federal Credit Union
      Dividend Rates as of  11/1/99
     
    Type of Account  Minimum Term  Minimum Deposit Minimum Balance Minimum Additional Deposits  Dividend Rate APY Dividends on Balances of: 
    Regular Share, Primary Membership Account Required To Join. N/A $5.00 $5.00 N/A 0.00%   

    2.30%  

    2.35%  

    2.50%  

    2.70%

    		 0.00%   

    2.32%  

    2.37%  

    2.52%  

    2.73%

    		 Up To $100.00   

    $100.01-$500.00  

    $500.01-$2,500.00  

    $2500.01-$10,000.00  

    Over $10,000.00
    Holiday Share Savings N/A $5.00 N/A N/A 0.00%   

    2.55%  

    2.65%

    		 0.00%   

    2.57%  

    2.68%

    		 Up to $100.00   

    $100.01-$500.00  

    Over $500.00
    Share Draft Checking N/A $5.00 N/A N/A    
    0.00%  
         		    
    0.00%  
         		    
     All Balances  
     
    Money Management N/A $1,000.00 N/A N/A 0.00%   

    3.50%  

    3.75%  

    4.00%  

    4.20%  
      
     

    		 0.00%   

    3.55%  

    3.80%  

    4.07%  

    4.27%  
      
     

    		 Less Than $1000.00   

    $1000.01-$2,500.00  

    $2,500.01-$10,000.00  

    $10,000.01-$20,000.00  

     Over $20,000.00  
      
     
    Silver Share Certificates   

    Certificates of deposit

    		 3 Months   

    6 Months  

    9 Months  

    12Months  

    24Months  

    60 Months

    		 $500.00   

    $1,000.00  

    $1,000.00  

    $1,000.00  

    $1,000.00  

    $15,000.00

    		 $500.00   

    $1,000.00  

    $1,000.00  

    $1,000.00  

    $1,000.00  

    $15,000.00

    		 N/A   

    N/A  

    N/A  

    $100.00  

    $100.00  

    N/A 

    		 4.15%   

    4.50%  

    5.00%  

    4.55%  

    4.80%  

    5.90%

    		 4.21%   

    4.57%  

    5.10%  

    4.62%  

    4.89%  

    6.03%

    		 N/A   

    N/A  

    N/A  

    N/A  

    N/A  

    N/A
    IRA Fixed Rate Certificates 12Months   

    24 Months

    		 $500.00   

    $500.00

    		 $500.00   

    $500.00

    		 $25.00   

    $25.00

    		 4.85%   

    5.10%

    		 4.94%   

    5.20%

    		 N/A   

    N/A
    Roth / Education Fixed Rate Certificates 36 Months $500.00 $500.00 $25.00 5.50% 5.61% N/A
    IRA Variable Rate Account N/A $5.00 $5.00 N/A 3.30%   

    3.60%  

    3.85%

    		 3.34%   

    3.65%  

    3.91%

    		 Up To $1,000.00   

    $1,000.01-$10,000.00  

    Over $10,000.00
    NOTE: (1.) Availability, terms, minimums subject to change; rates on all accounts subject to change daily. (2.) Dividends calculated on a daily basis on all accounts and are paid quarterly except for Money Management which is paid monthly. (3.) Substantial penalties apply for early withdrawl of IRA and Certificate funds.

    Your savings are federally insured to $100,000.00 by the National Credit Union Administration (NCUA), a U.S. goverment agency. An Additional $250,000.00 in fund insurance is provided through Excess Share Insurance (ESI).

    For additional rate information please call: (202) 488-5400 EXT. 2.

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