SHARE ACCOUNTS
As of SEPTEMBER 1, 2008	DIVIDEND RATE	APY*
Share Accounts	0.75%	0.75%
Christmas Club	0.75%	0.75%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS»

CERTIFICATES - $500 Minimum Deposit
As of SEPTEMBER 1, 2008	DIVIDEND RATE	APY*
6 Month	1.85%	1.86%
12 Month	2.0%	2.02%
24 Month	2.15%	2.17%
36 Month	2.25%	2.27%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS»

NEW CERTIFICATE SPECIAL
$5000.00 Minimum deposit
TERM	DIVIDEND RATE	APY*
8 Month	2.50%	2.52%
* Must be purchased with money not already on deposit with the Credit Union
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS»

REGULAR SHARES require a minimum deposit of $25.00. Dividends begin to accrue on all accounts indicated above on both cash and non-cash (e.g. checks) items from the date of deposit. Fees could reduce earnings. Share accounts closed before accrued dividends are credited to it will not be paid accrued dividends.

SHARE CERTIFICATES (CDs) require a minimum deposit as indicated as above. There is a substantial penalty for early withdrawal from a share certificate. A 30 DAY INTEREST PENALTY applies to a 6 month and 8 Month CD. A 60 DAY INTEREST PENALTY applies to a 12 Month CD and a 90 DAY PENALTY INTEREST applies 24 Month and a 36 Month CD.

Exceptions from the early withdrawal penalty include:

• *Account owner dies or is declared legally incompetent
• *IRA accounts where the owner is 59 ½ or older or permanently disabled

ALL ANNUAL PERCENTAGE YIELDS (APYs) are based on quarterly compounding and crediting of dividends. Dividends must remain on deposit for the entire term in order to earn the stated APY. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Funds are insured to $100,000.

*Rates are subject to change without notice*