Savings Accounts

Description Of Account	Min Balance to Earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)	Dividend Posting Period
Share (Savings)	$50	0.25%	0.25%	Monthly
Dividend Checking*	$500	0.05%	0.05%	Monthly

Money Market Accounts

Description Of Account	Min Balance to Earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)	Dividend Posting Period
Money Market Savings $50 - $999	$50	0.25%	0.25%	Monthly
Money Market Savings $1,000 - $9,999	$1,000	0.25%	0.25%	Monthly
Money Market Savings $10,000 - $24,999	$10,000	0.25%	0.25%	Monthly
Money Market Savings $25,000 - $49,999	$25,000	0.35%	0.35%	Monthly
Money Market Savings $50,000 - $99,999	$50,000	0.45%	0.45%	Monthly
Money Market Savings $100,000 - $999,999	$100,000	0.60%	0.60%	Monthly
Money Market Savings $1,000,000 +	$1,000,000	0.70%	0.70%	Monthly

Term Share Certificates

Description Of Account	Min Balance to Earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)	Dividend Posting Period
6 Month Term Certificate	$1,000	0.30%	0.30%	Monthly
12 Month Term Certificate	$1,000	0.55%	0.55%	Monthly
18 Month Term Certificate	$1,000	0.55%	0.55%	Monthly
24 Month Term Certificate	$1,000	0.65%	0.65%	Monthly
36 Month Term Certificate	$1,000	1.06%	1.05%	Monthly
48 Month Term Certificate	$1,000	1.11%	1.10%	Monthly
60 Month Term Certificate	$1,000	1.31%	1.30%	Monthly

Individual Retirement Accounts (IRA) & IRA Certificates

Description Of Account	Min Balance to Earn APY	Annual Percentage Yield (APY)	Annual Dividend Rate (ADR)	Dividend Posting Period
IRA Savings	No Minimum	0.50%	0.50%	Monthly
6 Month IRA Certificate	$1,000	0.30%	0.30%	Monthly
12 Month IRA Certificate	$1,000	0.55%	0.55%	Monthly
18 Month IRA Certificate	$1,000	0.55%	0.55%	Monthly
24 Month IRA Certificate	$1,000	0.65%	0.65%	Monthly
36 Month IRA Certificate	$1,000	1.06%	1.05%	Monthly
48 Month IRA Certificate	$1,000	1.11%	1.10%	Monthly
60 Month IRA Certificate	$1,000	1.31%	1.30%	Monthly

APYs are accurate as of February 17, 2012. Dividends are calculated monthly. Fees or conditions could reduce earnings. All savings rates are subject to change without notice. Penalties may be imposed for early withdrawal.

*Dividend Checking is no longer available.

Your savings federally insured to at least $250,000 by NCUA and backed by the full faith and credit of the U.S. Government.