Savings Rates
As of December 17, 2008

Regular Share Savings (S1-S2)

Daily Balance Rate APY
$25.00 and above 0.70% 0.70%

** Minimum balance of $25 to earn dividends.
** Declared, paid and compounded quarterly.

Plus Account (S7)

Daily Balance Rate APY
$2,500.00 to $9,999.99 1.49% 1.50%
$10,000.00 to $19,999.99 1.59% 1.60%
$20,000.00 to $49,999.99 2.28% 2.30%
$50,000.00 to $99,999.99 2.57% 2.60%
$100,000 and above 2.97% 3.00%

** Minimum balance of $2500.00 to earn dividends.
** Declared, paid and compounded quarterly.

Education Savings (S40)

Daily Balance Rate APY
$0.00 and above 0.70% 0.70%

** Declared, paid and compounded quarterly.

Education Savings CU Contribution (S41)

Daily Balance Rate APY
$0.00 and above 0.70% 0.70%

** Declared, paid and compounded quarterly.

Escrow Account (S50)

Daily Balance Rate APY
$0.00 and above 0.70% 0.70%

** Declared, paid and compounded quarterly.

Checking (S8)

Daily Balance Rate APY
No min. balance 0.25% 0.25%

** Declared, paid and compounded monthly.

IRA Shares (S20)

Daily Balance Rate APY
$0.00 and above 1.49% 1.50%

** Declared, paid and compounded quarterly.

Certificates of Deposit

Term Rate APY
6 months 3.17% 3.20%
12 months 3.45% 3.50%
24 months 3.75% 3.80%
60 months 4.43% 4.50%

** Minimum balance to open a CD is $500.00.

IRA Certificates of Deposit

Term Rate APY
6 months 3.17% 3.20%
12 months 3.45% 3.50%
24 months 3.75% 3.80%
60 months 4.43% 4.50%

** Minimum balance to open an IRA CD is $500.00.

All rates subject to change without notice. See one of our Member Service Representatives for complete details.