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Savings/Checking Rates
Effective Date: May 1, 2012
Account NameMin. Balance to Earn DividendsAPY*
Regular Savings $100.00 0.30%
Christmas Club $0.00 0.25%
Cookie Jar club $0.00 0.25%
Kids Club $100.00 0.30%
Elite Checking $1,000.00 0.15%
IRA Savings $25.00 0.40%
Money Market Accounts $1,000.00 0.30%
  $10,000.00 0.40%
  $25,000.00 0.45%
  $50,000.00 0.50%
  $75,000.00 0.55%
  $100,000.00 0.60%

*The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and the frequency of compounding for an annual period.

Rates are subject to change after account opening. Fees and withdrawals may reduce earnings on the account.

Certificate Rates
Effective Date: May 15, 2012. Rate subject to change weekly.
TermMinimum DepositAccount Balance up to $10,000$10,000$25,000$50,000$75,000$100,000

Annual Percentage Yield*

3 mos. $1,000.00 0.30% 0.35% 0.40% 0.45% 0.50% 0.55%
6 mos. $1,000.00 0.45% 0.50% 0.55% 0.60% 0.65% 0.70%
12 mos. $1,000.00 0.60% 0.65% 0.70% 0.75% 0.80% 0.85%
24 mos. $1,000.00 0.80% 0.85% 0.90% 0.95% 1.00% 1.05%
36 mos. $1,000.00 1.00% 1.05% 1.10% 1.15% 1.21% 1.26%
60 mos. $1,000.00 1.61% 1.66% 1.71% 1.76% 1.81% 1.86%
12 Month Add-On: $100 minimum deposit; 0.55% all balances
12 mo. IRA Cert $500.00 0.60% 0.65% 0.70% 0.75% 0.80% 0.85%
18 mo. IRA Cert $500.00 0.70% 0.75% 0.80% 0.85% 0.90% 0.95%
30 mo. IRA Cert $500.00 0.95% 1.00% 1.05% 1.10% 1.15% 1.21%
12 Month IRA Add-On Cert: $100 minimum deposit; 0.55% all balances
Rates are accurate as of the date noted above.

The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. The Dividend Rate and Annual Percentage Yield for Term Share Certificates are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity.

For Term Share Certificates with maturities less than nine (9) months, dividends will be compounded and credited at maturity. For Term Share Certificates with maturities equal to or greater than nine (9) months, dividends will be compounded quarterly and credited quarterly.

Term Share Certificates are subject to penalty for early withdrawal. Fees and withdrawals may reduce earnings on the account.

Loan Rates
Effective Date: November 16, 2011
Loan TypeAPR Range
New/Used Auto

 2.80% - 14.60%1
New/Used Boat 7.00% - 11.25%1
New/Used RV 7.00% - 11.25%1
New/Used Motorcycle 8.00% - 12.00%1
Personal Loan 10.9%-18.00%1
Home Equity 5.25% APR2
Fixed Rate Second Mortgage

 6.00%1
Annual Percentage Rate (APR) is subject to change daily.

1 Subject to credit worthiness and member's credit union relationship. Rates, conditions and programs are subject to change without notice.
2Home Equity Line of Credit has a variable rate (maximum rate that can apply is 18% and minimum of 2.00%) which is the Prime Rate as reported in The Wall Street Journal plus 2% A.P.R. The APR is accurate as of July 1, 2009. Rates will adjust monthly if there is a change in the Prime Rate. Flood and/or Property/Hazard Insurance may be required.

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