Rates

Savings Dividend Rate APY* Term

Share Account 0.50 0.50 n/a

NOW Checking (truncated) 0.100 0.100 n/a

NOW Checking (PicturePerfect) 0.05 0.05 n/a

Money Market (Savings and IRA)

                $0-$999 0.50 0.50 n/a

                $1000-$9999 1.75 1.76 n/a

                $10,000-$24,999 2.00 2.02 n/a

                $25,000-$49,999 2.00 2.02 n/a

                $50,000-$74,999 2.25 2.27 n/a

                $75,000-$99,999 2.50 2.53 n/a

                Over $100,000 2.80 2.84 n/a

Members Money Market

               $1000-$9999 1.75 1.76 n/a

               $10,000-$24,999 2.00 2.02 n/a

               Over $25,000 3.00 3.04 n/a

Christmas Club 0.50 n/a

Vacation Club $0-$999 0.50 0.50 n/a

Vacation club over $1000 0.75 0.75 n/a

Wiin Club

                $0-$999
0.50
0.50 n/a

               $1000-$9999
1.75
1.76 n/a

                $10,000-$24,999
2.00
2.02 n/a

                $25,000-$49,999
2.00
2.02 n/a

                $50,000-$74,999
2.25
2.27 n/a

                $75,000-$99,999
2.50
2.53 n/a

                Over $100,000
2.80
2.84 n/a

IRA Share Account 0.500 0.500 n/a

*Annual Percentage Yield
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Rates effective 10/01/08 and subject to change without notice.

Fees or other conditions may reduce earnings on these accounts.

Penalty applies for early withdrawal.

Certificates Dividend Rate APY* Term Minimum Deposit Required

6 month certificate 2.75 2.78 6 1000.00

9 month certificate 2.85 2.89 9 1000.00

11 month certificate 3.70 3.77 11 500.00

13 month certificate 3.10 3.15 13 500.00

15 month certificate 3.70 3.77 15 500.00

1 year certificate 3.70 3.77 12 500.00

2 year certificate 3.45 3.51 24 500.00

3 year certificate 3.55 3.61 36 500.00

5 year certificate 4.00 4.08 60 500.00

IRA 6 month certificate 2.75 2.78 6 1000.00

IRA 9 month certificate 2.85 2.89 9 1000.00

IRA 11 month certificate 3.70 3.77 11 500.00

IRA 13 month certificate 3.10 3.15 13 500.00

IRA 15 month certificate 3.70 3.77 15 500.00

IRA 1 year certificate 3.70 3.77 12 500.00

IRA 2 year certificate 3.45 3.51 24 500.00

IRA 3 year certificate 3.55 3.61 36 500.00

IRA 5 year certificate 4.00 4.08 60 500.00

*Annual Percentage Yield
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National Credit Union Administration, Your savings federally insured to $100,000