Loan Rates          Fees

Member Investments and Savings Information
(Revised 10/1/2008)

Certificates (CDs)
A penalty may be imposed for early withdrawal.		 Term
3 Months
6 Months
12 Months
18 Months
24 Months
30 Months 		Minimum
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000		 Rate
2.15 %
2.25 %
2.50 %
2.75 %
2.85 %
3.00 % 		APY
2.15 %
2.26 %
2.51 %
2.76 %
2.86 %
3.01 % 		Call for quotes on amounts over $50,000
IRA Certificates
A penalty may be imposed for early withdrawal.		 Term
6 Months
12 Months
18 Months
24 Months
30 Months		 Minimum
$1,000
$1,000
$1,000
$1,000
$1,000
 Rate
2.25 %
2.50 %
2.75 %
2.85 %
3.00 %
APY
2.26 %
2.51 %
2.76 %
2.86 %
3.01 %
Call for quotes on amounts over $50,000
IRA Savings   Minimum
$100		 Rate
2.15 % 		APY
2.16 % 		Rate Period October 1st to December 31st
Money Market
$2,500 minimum balance required to open		   Range
$0-$2,499.99
$2,500 and Over 		Rate
1.00 %
2.05 % 		APY
1.01 %
2.06 % 		Rate Period
October 1st to October 31st
Christmas Club   Minimum
$25		 Rate
2.00 % 		APY
2.01 % 		Rate Period October 1st to December 31st
Checking Accounts
$25 minimum balance required to open		   Range
$1,000 and Over		 Rate
0.75 % 		APY
0.76 % 		Rate Period October 1st to December 31st
Savings Accounts
(Shares)
$25 minimum balance required to open 		  Range
$100-$4,999.99
$5,000-$9,999.99
$10,000 and Over 		Rate
1.00 %
1.15 %
1.40 % 		APY
1.01 %1.16 %
1.41 % 		Rate Period October 1st to December 31st

Paid January 1, 2009
U.S. Treasury Information
   Range
3 Month T-Bill
6 Month T-Bill
Prime Rate 		Rate
1.100 %1.540 %
5.00 % 		  Date of Last Change:
T-Bill Sept 29, 2008
Prime April 30, 2008
APY is Annual Percentage Yield. All rates shown, except CDs, are paid on an average daily balance. The interest rate and annual percentage yield may change for your account as determined by the credit union board of directors. Earnings may be reduced by fees or other conditions. Ask an employee for information on applicable fees and terms for each account.