All Share Accounts described below are variable rate accounts. Dividend rates quoted may be changed without prior notice. Please call the credit union for an update. Accounts must remain open for the entire dividend period to earn dividends. Each calendar month is a dividend period for all share accounts. Dividends are computed on the average daily balance in the account and are paid on the last day of the month. The credit union cannot pay dividends in excess of its available earnings.

Rates on the site are current as of December 1, 2009

APR = Annual Percentage Rate.

APY = Annual Percentage Yield.

Regular Share (Savings) Accounts

Dividend paid monthly on the average daily balance. Minimum average daily balance to earn dividend is $500.00.

Average Daily Balance APR APY $0.00 $999.99 0.00% 0.00% $1,000.00 $4,999.99 0.20% 0.20% $5,000.00 $49,999.99 0.25% 0.25% $50,000.00 or More 0.30% 0.30%

Share Draft (Checking) Accounts

No dividends

Holiday & Vacation Club Accounts

Because dividends are paid at maturity on the average daily balance, the APY is the same as the rate.

Average Daily Balance APR APY $0.00 $999.99 0.00% 0.00% $1,000.00 $4,999.99 0.30% 0.30% $5,000.00 $49,999.99 0.35% 0.35% $50,000.00 or More 0.40% 0.40%

Money Market Draft Accounts

Dividends paid monthly on the average daily balance. Minimum average daily balance to earn dividend is $2,500.00.

Average Daily Balance APR APY $0.00 $2,499.99 0.00% 0.00% $2,500.00 $4,999.99 0.75% 0.75% $5,000.00 $49,999.99 1.00% 1.00% $50,000.00 or more 1.25% 1.26%

IRA Share Accounts (Traditional & Roth)

Minimum Balance APR APY $0.00 $999.99 0.00% 0.00% $1,000.00 $4,999.99 1.00% 1.00% $5,000.00 $49,999.99 1.50% 1.51% $50,000.00 or More 2.00% 2.02%

Share Certificate Rates

$1,000 Minimum Balance

Term APR APY 6 Months 1.00% 1.00% 12 Months 1.00% 1.00% 18 Months 1.25% 1.26% 24 Months 1.50% 1.51% 36 Months 1.50% 1.51%

$50,000 Minimum Balance

Term APR APY 6 Months 1.25% 1.26% 12 Months 1.25% 1.26% 18 Months 1.50% 1.51% 24 Months 1.75% 1.76% 36 Months 1.75% 1.76%

Term Share Certificate Loyalty Rate Rewards

Term Add to APR Bill Pay 0.05% E-Statement 0.05% Checking Account 0.05% Payroll Deduction or Direct Deposit 0.05% Cummulative Savings, IRA, and Checking Account Balance = > $10,000 0.05%

The maximum loyalty rate reward is 0.25%. Services or accounts for the purpose of receiving the rate reward must have been active for at least 90 days.

There are substantial penalties for early withdrawal of share certificates and may reduce your earnings. Reviewed monthly by the Board of Directors and whenever necessary. Rates may change without prior notification. All dividends on certificates are paid monthly based on the average daily balance.

IRA Certificates

We have discontinued offering IRA Certificates. All existing IRA certificates shall continue to be honored until maturity. Upon maturity the funds will be deposited into your regular IRA account.