Effective January 2, 2009
Member NCUA
Rates subject to change without notice
  Annual
Percentage
Rate
Annual
Percentage
Yield
Dividends
Method
Required
Average
Daily
Balance
Regular Savings 0.60% 0.60% Quarterly $5.00
Club 0.60% 0.60% Quarterly $5.00
Premium Checking 0.85%

0.85%

Monthly $1,000.00
FREE/ Value Checking N/A N/A N/A N/A
Money Market 1.49% 1.50% Monthly $2,500.00

FIXED RATE SHARE CERTIFICATES*
   
6 Month 2.72% 2.75% Quarterly $1,000.00
1 Year 3.06% 3.10% Quarterly $1,000.00
2 Year 3.26% 3.30% Quarterly $1,000.00
3 Year 3.46% 3.50% Quarterly $1,000.00
4 Year 3.65% 3.70% Quarterly $1,000.00
5 Year 3.84% 3.90% Quarterly $1,000.00

INDIVIDUAL RETIREMENT ACCOUNTS IRA
   
Variable Share 1.49% 1.50% Quarterly $ .01

I.R.A. FIXED RATE SHARE CERTIFICATES*
   
1 Year 3.06% 3.10% Quarterly $1,000.00
2 Year 3.26% 3.30% Quarterly $1,000.00
3 Year 3.46% 3.50% Quarterly $1,000.00
4 Year 3.65%

3.70%

Quarterly $1,000.00
5 Years 3.84% 3.90% Quarterly $1,000.00

*Fixed Rate Share Certificates and IRA Fixed Rate Share Certificates are subject to an early withdrawal penalty equal to 90 days loss of dividends on the amount withdrawn. The Annual Percentage Yield assumes funds remain on deposit for one year.