Dividend Rates

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Rates Current as of 12/14/2011

Current Dividend Rates: Dividends Paid Quarterly

Account	Minimum Deposit	Savings Rate	Savings APY*
Share Savings	$5.00	0.10%	0.10%
Share Draft Checking	$0.00	0.05%	0.05%
Christmas Club	$0.00	0.25%	0.25%
IRA Savings	$10.00 or $250.00¹	1.00%	1.00%
90-Day Share	$1,000.00	0.20%	0.20%
Money Market Share *Dividends Paid Monthly	$1,000.00	0.20%	0.20%
	$10,000.00	0.25%	0.25%
	$25,000.00	0.40%	0.40%
	$50,000.00	0.50%	0.50%
	$100,000.00	0.50%	0.50%

Current Term Share Certificate Rates: Dividends Paid Quarterly and At Maturity

Certificate Type	Minimum Deposit	Savings Rate	Savings APY*
6-Month Term Share Certificate	$1,000.00	0.25%	0.25%
1-Year Kids Club Term Share Certificate	$100.00	0.25%	0.25%
1-Year Term Share Certificate	$500.00	0.45%	0.45%
18-Month Term Share Certificate	$500.00	0.50%	0.50%
2-Year Term Share Certificate	$500.00	0.60%	0.60%
3-Year Term Share Certificate	$500.00	0.85%	0.85%
5-Year Term Share Certificate	$500.00	1.20%	1.21%
Market Index Certificate	$500.00	Per DJIA**	Per DJIA**
90-Day IRA Certficate²	$1,000.00	0.75%	0.75%
6-Month IRA Certficate²	$500.00	1.00%	1.00%
1-Year IRA Certficate²	$500.00	1.00%	1.00%
18-Month IRA Certificate²	$500.00	1.00%	1.00%
2-Year IRA Certificate²	$500.00	1.24%	1.25%
3-Year IRA Certificate²	$500.00	1.74%	1.75%
5-Year IRA Certificate²	$500.00	1.98%	2.00%
7-Year IRA Certificate²	$500.00	2.97%	3.00%

Rates listed are current at time of page update and subject to change.
Confirmation of these rates and terms should be made through the credit union.

Early withdrawals are subject to an early withdrawal penalty.

1 - Minimum Balances for IRAs are $10 for Coverdell Education Savings Accounts and $250 for Traditional & Roth IRAs.

*APY=Annual Percentage Yield.

**Market Index Certificate rates are based on the Dow Jones Industrial Average Composite Stock price. The dividend rate is determined by taking a percentage of the difference between the DJIA when the certificate is opened and the day it matures.