ACCOUNT RATES

TERM	Dividends Paid	Opening Deposit	Minimum Balance to Earn Stated APY	Dividend Rate	APY*
1 month Certificate	At Maturity	$1,000	$1,000	0.35%	0.35%
6 Months	At Maturity	$1,000	$1,000	0.55%	0.55%
12 Months	Quarterly	$1,000	$1,000	0.65%	0.65%
18 Months	Quarterly	$1,000	$1,000	0.70%	0.70%
24 Months	Quarterly	$1,000	$1,000	0.80%	0.80%
30 Months	Quarterly	$1,000	$1,000	0.90%	0.90%
36 Months	Quarterly	$1,000	$1,000	1.10%	1.10%
12 Month Mini Jumbo	Quarterly	$25,000	$25,000	0.75%	0.75%
18 Month Mini Jumbo	Quarterly	$25,000	$25,000	0.85%	0.85%
12 Month IRA 80-89	Quarterly	$500	$500	1.00%	1.00%
18 Month IRA 80-89	Quarterly	$500	$500	1.10%	1.10%

*APY means annual percentage yield. Penalty may apply for early withdrawal. See credit union for details.

Account Type	Dividends Paid	Opening Deposit	Minimum Balance to Earn Stated APY	Dividend Rate	Annual Percentage Yield
Regular Share 00	Monthly	$20 (Plus a $5 fee)	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.04% 0.05% 0.10%	0.04% 0.05% 0.10%
Trust Share Account	Monthly	$20 (Plus a $5 fee)	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.04% 0.05% 0.10%	0.04% 0.05% 0.10%
Share Draft Checking 91/92	Monthly	$25.00	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.00% 0.00% 0.05%	0.00% 0.00% 0.05%
Special Savings 61	Monthly	Optional	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.04% 0.05% 0.10%	0.04% 0.05% 0.10%
Money Market 62	Monthly	$2,000	$2,000	0.40%	0.40%
Christmas Club 63*	Monthly	Optional	Earns on any balance	0.70%	0.70%
Trust Club 64	Monthly	$20.00	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.04% 0.05% 0.10%	0.04% 0.05% 0.10%
IRA Coverdell Club 65	Monthly	Optional	Earns on any balance	0.70%	0.70%
Escrow Account 66	Monthly	Optional	$100.00-$499.99 $500.00-$1,999.99 $2,000.00-Above	0.04% 0.05% 0.10%	0.04% 0.05% 0.10%
IRA Roth Club 68	Monthly	Optional	Earns on any balance	0.70%	0.70%
Traditional IRA Share	Monthly	Optional	Earns on any balance	0.70%	0.70%