HUECU

Deposit Rates

Current Dividend Rates - Effective January 1, 2009

Current Savings Rates
Product	Minimum Opening Balance	Dividend Rate	APY*
Share Savings	$25.00	0.50%	0.50%
Direct Checking & Sixty+ Checking	$50.00	0.25%	0.25% **
Crimson Checking	$1,500.00	0.25%	0.25% **
Money Market Savings Account	$1,500.00	Over $100k = 1.75% $50k- $99,999 = 1.25% $25k - $49,999 = 1.25% $5k - $24,999 = 0.75% $1,500 -$4,999 = 0.50% Less than $1,500 = 0.25%	1.76% 1.25% 1.25% 0.75% 0.50% 0.25%
IRA /Roth IRA/ Coverdell ESA	$1.00	0.75%	0.75%
Rates on the above accounts may change after an account is opened. $10.00 minimum balance is required to earn APY* on above accounts except Checking Accounts. A minimum average balance of 0 is required to earn the above APY* on Direct Checking Accounts.A minimum average balance of $1,500 is required to earn the above APY* on Crimson Checking Accounts. ** Fees, if any, charged on these accounts may reduce earnings.

Fixed Terms Special Occasion (Club) Accounts
Product	Minimum Opening Balance	Dividend Rate (based on a .00 minimum daily balance)	APY*
Holiday Club From 11/1/08 to 10/31/09	$1.00	0.75%	0.75%
Vacation Club From 5/1/2008 to 4/30/2009	$1.00	0.75%	0.75%

Term Share Certificates
Product	Minimum Opening Balance	Dividend Rate	APY*
3 Month Certificate	$1,000.00	1.25%	1.25%
6 Month Certificate	$1,000.00	1.50%	1.51%
9 Month Certificate	$1,000.00	1.75%	1.76%
12 Month Certificate	$1,000.00	2.00%	2.01%
24 Month Certificate	$1,000.00	2.75%	2.78%
36 Month Certificate	$1,000.00	3.00%	3.04%
60 Month Certificate	$1,000.00	3.75%	3.81%
IRA /Roth /Coverdell ESA 18 Month Certificate	$1,000.00	2.75%	2.78%
IRA /Roth /Coverdell ESA 36 Month Certificate	$1,000.00	3.00%	3.04%
IRA /Roth /Coverdell ESA 60 Month Certificate	$1,000.00	3.75%	3.81%
* Annual Percentage Yield. Early withdrawal penalties will be imposed. The APY assumes principal and interest Yield remain on deposit until maturity. A withdrawal will reduce earnings.

IMPORTANT NOTES:

Share Savings & Money Market Savings Accounts	A maximum of $500.00 in cash can be withdrawn per day. Check and cash withdrawals can be made at the same time. Regulatory limitations on third party transfers apply.
Checking Accounts	Cash can be withdrawn from a branch by presenting a valid identification. It is not necessary to use a check to make a cash withdrawal.
Club Accounts	Withdrawals are not permitted.
Term Share Certificates	Deposits are not permitted after the initial deposit. Withdrawals may be permitted but the early withdrawal penalty will be assessed.
I.R.A. Accounts	Deposits and withdrawals to an Individual Retirement Account (I.R.A.) are governed by the custodial agreement and I.R.S. regulations regarding I.R.A.s.

For more information please contact our For more information, you can email us or call 617-495-4460.
HUECU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply.
All rates are subject to change without notice.