Rates

Deposit Rates Loan Rates
Regular Shares

Classic Club Savings

Holiday Club Savings Account

IRA/SEP Savings

R1 Money Market Account

Share Certificates

Power Checking

Advantage Checking

Prestige Checking
Auto/Boat/RV Loans

Personal & Other Loans

Dividend rates as of January 6, 2009

Regular Shares: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to earn: $250.00
Fees could reduce earnings on the account.
A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
$250.00 - $1,499.990.75%0.75%
$1,500.00 - $2,999.990.75%0.75%
$3,000.00 and Above0.80%0.80%

Classic Club Savings: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to earn: $250.00
Fees could reduce earnings on the account.
A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
$250.00-$1,499.990.70%0.70%
$1,500.00 - $2,999.990.70%0.70%
$3,000.00 and Above0.75%0.75%

Holiday Club Savings Account: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to earn: $250.00
Fees could reduce earnings on the account.
A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
$250.00 and Above0.80%0.80%

IRA/SEP Savings: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to earn: $50.00
Fees could reduce earnings on the account.
A penalty will or may be imposed for early withdrawal of funds prior to the maturity date.
$50.00 and Above1.49%1.50%

R1 Money Market Account: Anticipated Monthly Dividends

Balance Rate APY Additional Details
Fees could reduce earnings on the account.
$0.00 - $2,499.990.00%0.00%
$2,500.00 - $24,999.991.30%1.30%
$25,000.00 and Above2.00%2.02%

Share Certificates

Investment Term Regular
**$1,000-$90,000**
IRA
**Over $1,000**
Jumbo
**Over $90,000**
Additional Details
  Rate APY Rate APY Rate APY  
Minimum balance: $1,000
Fees could reduce earnings on the account.
A penalty will or may be imposed for early withdrawal of funds prior to the maturity date
3 Months2.87%2.90%2.97%3.00%2.97%3.00%
6 Months2.97%3.00%3.06%3.10%3.06%3.10%
12 Months3.36%3.40%3.45%3.49%3.45%3.49%
18 Months3.50%3.55%3.60%3.65%3.60%3.65%
24 Months3.65%3.70%3.75%3.80%3.75%3.80%
30 Months3.80%3.85%3.89%3.95%3.89%3.95%
36 Months3.94%4.00%4.04%4.10%4.04%4.10%
48 Months4.23%4.30%4.33%4.40%4.33%4.40%
60 Months4.43%4.50%4.52%4.60%4.52%4.60%

Power Checking

Balance Rate APY Additional Details
Non-dividend account
Minimum balance to open: $25.00
No monthly fee
$0.00 and Above0.00%0.00%

Advantage Checking: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to open: $100.00
$7.00 monthly fee < $1,000.00
Fees could reduce earnings on the account.
$0.00 - $999.990.00%0.00%
$1,000.00 and Above0.50%0.50%

Prestige Checking: Anticipated 4th Quarter 2008

Balance Rate APY Additional Details
Minimum balance to open: $250.00
$12.00 monthly fee < $2,500.00
One (1) free box of checks per year
Fees could reduce earnings on the account.
$0.00 - $2,499.990.00%0.00%
$2,500.00 and Above0.80%0.80%

Auto/Boat/RV Loans APR's Ranging From

Loan Term Rate Additional Details
Loan rate is determined based on credit worthiness. Periodically, the Credit Union may offer "special" loan rate discount promotional offers. Contact the Credit Union for details.
24 months4.55% - 18.00%
36 months4.70% - 18.00%
48 months4.85% - 18.00%
60 months5.10% - 18.00%
> 60 months5.35% - 18.00%

Personal & Other Loans
(depending on credit history)
Rates from 9.50% APR - 18.00% APR

**All Deposits are Federally Insured by the NCUA**
*Rates and annual percentage yields are subject to change without notice.
**"APR" means "Annual Percentage Rate"
**"APY" means "Annual Percentage Yield"

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