MADISON, Wis.-In response to continuing drops in interest rates, the National Credit Union Foundation (NCUF) has revised the distribution formula for the Community Investment Fund (CIF). The continued drop makes it so credit unions' charitable intent by participating in CIF was not recognized under the old formula. Under changes adopted by the NCUF Board: * A new 90-day account created that will be a 50/50 split between the investor and NCUF. * A new 5-year fixed-rate CD created to offer higher returns for the investor and for NCUF. * The distribution formula on all new fixed-rate CDs will be the first 2% to the investor, the second 2% to NCUF, with any additional funds in a rate environment exceeding 4% going to the investor. U.S. Central has agreed to waive all requirements/penalties/fees for credit unions moving funds from the current 90-day account into any of the other, more attractive options.