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Savings Rates

Rates as of December 04, 2008

SHARE/CERTIFICATE

	$1,000 Certificate*		$10,000 Certificate Plus*		Penalty**
Term	Yield	Rate	Yield	Rate
6 months	3.350%	3.300%	3.450%	3.397%	90 Days
12 months	3.500%	3.445%	3.600%	3.542%	90 Days
18 months	3.550%	3.493%	3.650%	3.590%	180 days
24 months	3.700%	3.639%	3.800%	3.735%	180 days
30 months	3.750%	3.687%	3.850%	3.784%	270 days
36 months	3.900%	3.832%	4.000%	3.929%	270 days
48 months	4.050%	3.977%	4.150%	4.073%	270 days
60 months	4.300%	4.218%	4.400%	4.314%	270 days

IRA Certificates (Traditional, Roth or Educational)

	$1,000 IRA*		$10,000 IRA Plus*		Penalty
Term	Yield	Rate	Yield	Rate
6 months	3.450%	3.397%	3.550%	3.494%	90 days
12 months	3.600%	3.542%	3.700%	3.639%	90 days
18 months	3.650%	3.590%	3.750%	3.687%	180 days
24 months	3.800%	3.735%	3.900%	3.832%	180 days
30 months	3.850%	3.784%	3.950%	3.880%	270 days
36 months	4.000%	3.929%	4.100%	4.025%	270 days
48 months	4.150%	4.073%	4.250%	4.169%	270 days
60 months	4.400%	4.314%	4.500%	4.441%	270 days

MONEY MARKET DEPOSIT ACCOUNTS

APY	APR	Minimum

2.000%	1.982%	$2,500
2.250%	2.227%	$10,000
2.500%	2.472%	$25,000
2.850%	2.813%	$50,000

SAVINGS ACCOUNTS

APY	APR	Minimum

0.753%	0.750%	$5.00

(MUST HAVE AT LEAST $50 ON DEPOSIT TO EARN DIVIDENDS)

SAVINGS IRA ACCOUNTS

	APY	APR	Minimum

SAVINGS IRA	0.753%	0.750%	NONE

HEALTH SAVINGS ACCOUNTS

APY	APR	Minimum

3.600%	3.542%	NONE

*required to open account, obtain the APY and to avoid any penalties and or fees applicable to the account. Share and IRA Certificate dividends are computed and paid on the actual amount in the account and deposited to the certificate at month end, and on the anniversary date. Savings, Checking and Money Market, H.S.A. and Savings IRA dividends are calculated daily, paid and compounded monthly. Savings, and Money Market dividend rates are based on credit union earnings and are declared at the end of the dividend period (monthly or quarterly). Rates are subject to change without notice.

**ALONG WITH THE ABOVE STATED PENALTY HEALTH SAVINGS ACCOUNTS AND INDIVIDUAL RETIREMENT ACCOUNT CERTIFICATES AND SAVINGS ARE SUBJECT TO FEDERAL WITHDRAWAL RULES.

FOR CURRENT INFORMATION CALL (800) 252-6950 DURING OFFICE HOURS OR VISIT ANY BRANCH LOCATION. CLICK HERE FOR LOAN RATES