Caltech Employees Federal Credit Union

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Credit Union Dividend History

Credit Union Dividend History (APY)*

	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1999	-	-	-	-	-	-	-	-	-	4.85%	4.85%	5.12%
2000	5.12%	5.38%	5.38%	5.38%	5.64%	5.64%	5.64%	5.64%	5.64%	5.64%	5.64%	5.64%
2001	5.12%	5.12%	4.85%	4.59%	4.33%	4.33%	4.07%	3.82%	3.56%	3.56%	3.30%	3.30%

Tier Levels
Tier 1	$ 0.00 - $ 25,000.00
Tier 2	$ 25,000.01 - $ 100,000.00
Tier 3	$100,000.01 and above

2002 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	3.30%	3.04%	3.04%	3.04%	2.78%	2.78%	2.78%	2.78%	2.78%	2.78%	2.27%	2.27%
2	3.30%	3.04%	3.04%	3.04%	2.78%	2.78%	2.78%	2.78%	2.78%	2.78%	2.27%	2.27%
3	3.30%	3.04%	3.04%	3.04%	2.78%	2.78%	2.78%	2.78%	2.78%	2.78%	2.27%	2.27%

2003 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	2.27%	2.27%	2.15%	2.15%	2.02%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%
2	2.27%	2.27%	2.15%	2.15%	2.02%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%
3	2.27%	2.27%	2.15%	2.15%	2.02%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%

2004 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	2.02%	2.02%	2.27%	2.27%	2.27%
2	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	2.02%	2.02%	2.27%	2.27%	2.27%
3	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	1.76%	2.02%	2.02%	2.27%	2.27%	2.27%

2005 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	2.27%	2.53%	2.53%	2.53%	2.78%	3.04%	3.04%	3.20%	3.30%	3.40%	3.40%	3.56%
2	2.27%	2.53%	2.53%	2.53%	2.78%	3.04%	3.04%	3.20%	3.30%	3.40%	3.40%	3.56%
3	2.27%	2.53%	2.53%	2.53%	2.78%	3.04%	3.04%	3.20%	3.30%	3.40%	3.40%	3.56%

2006 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	3.66%	3.66%	3.66%	3.66%	3.71%	3.76%	3.76%	3.82%	3.92%	4.02%	4.02%	4.02%
2	3.66%	3.76%	3.76%	3.82%	3.87%	3.92%	3.97%	4.02%	4.13%	4.23%	4.23%	4.23%
3	3.66%	3.92%	3.92%	4.02%	4.13%	4.18%	4.23%	4.33%	4.49%	4.65%	4.65%	4.65%

2007 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	4.02%	4.02%	4.07%	4.07%	4.07%	4.12%	4.12%	4.12%	4.12%	4.12%	3.97%	3.87%
2	4.23%	4.28%	4.33%	4.33%	4.38%	4.44%	4.44%	4.44%	4.44%	4.44%	4.28%	4.18%
3	4.70%	4.80%	4.85%	4.85%	4.85%	4.91%	4.91%	4.91%	4.91%	4.80%	4.65%	4.54%

2008 Monthly Dividends (APY)^*

Tier	JAN	FEB	MAR	APR	MAY	JUN	JUL	AUG	SEP	OCT	NOV	DEC
1	3.51%	3.35%	2.73%	2.73%	2.58%	2.58%	2.58%	2.58%
2	3.82%	3.66%	3.04%	3.04%	2.89%	2.89%	2.89%	2.89%
3	4.13%	3.97%	3.35%	3.35%	3.20%	3.20%	3.20%	3.20%

* Annual Percentage Yield. Minimum opening balance is $5.00. Fees incurred on the account may reduce earnings. Rates and yields are variable and may change at the Credit Union's discretion.