Your savings are insured. Please click here for the latest NCUA video.

Share/Savings
	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Regular Shares	$25.00	$100 Average Daily Balance	.501%
Safari Club	$10.00	$100 Average Daily Balance	.501%
Christmas Club	N/A	$100 Average Daily Balance	.501%
Special Accounts	N/A	$100 Average Daily Balance	.501%

• Dividends Paid Quarterly
• *Annual Percentage Yield
• Fees could reduce earnings on the account

Draft/Checking
	Minimum Opening Deposit	Monthly Service Charge	Minimum Balance to Avoid Service Charge	Minimum Balance to Earn Stated APY*	Yield/APY*
Regular Checking	$50.00	$5.00	$500 Average Daily Balance	$500 Average Daily Balance	0.250%
No Service Charge	$50.00	None	N/A	N/A	None
Classic Checking	$50.00	None	N/A	$500 Average Daily Balance	0.250%
Organization Checking	$50.00	None	N/A	N/A	None
Business Checking	$100.00	$20.00	$2000.00 Daily Balance	N/A	None
Small Business Checking	$50.00	$5.00	N/A	N/A	None

• Dividends Paid Monthly
• *Annual Percentage yield
• Fees could reduce earnings on the account

Share Certificates /CDs
	Minimum Opening Deposit	Yield/APY*
6 month	$1,000.00	1.106%
12 month	$1,000.00	1.510%

• Penalty for early withdrawal may apply
• Fees could reduce earnings on the account
• Dividends Paid Monthly
• *Annual Percentage yield

IRA Shares
	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Traditional IRA	$50.00	$100 Average Daily Balance	.501%
ROTH IRA	$50.00	$100  Average Daily Balance	.501%

• Dividends Paid Quarterly
• *Annual Percentage yield
• Fees could reduce earnings on the account

IRA Certificates /CDs
	Minimum Opening Deposit	Yield/APY*
6 month	$1,000.00	1.106%
12 month	$1,000.00	1.510%

• Penalty for early withdrawal may apply
• Fees could reduce earnings on the account
• Dividends Paid Monthly
• *Annual Percentage yield

Rates are effective January 21, 2010

Rates are subject to change without notice