-FIXED DEPOSITS-

Fixed Deposit Accounts

The fixed deposit account is designed specifically to meet the needs of the investment minded member. UWI Credit Union offers competitive rates of interest on funds held from a minimum of 3 months up to 1 year. Members have the option of rolling over funds at maturity. However, there is a 2% penalty for early encashment.

Interest Rates on Fixed Deposit

AMOUNT	1 Year
1,000 - 20,000	6.0%
20,001 - 50,000	6.50%
50,001 - 100,000	6.50%
100,001 - 200,000	6.75%
200,001 - 999, 999.99	7.00%

Effective - February 7, 2006

1. The above rates are quoted on a per annum basis.
2. A penalty of two percent (2%) applies for encashment before maturity date.

*Rates are subject to change without notice.