Type of Account

Dividend Rate

APY

Regular Share Savings

1.00%

1.00%

Club Account

1.10%

1.11%

IRA Accumulation

3.55%

3.61%

Money Market (min. $2,500):
             $2,500 - $7,499.99 -
             $7,500 - $9,999.99 -
               $10,000 and over -

1.49%
1.74%
1.98%

1.50%
1.75%
2.00%

Dividend rates are variable and may change after the account is open. Club accounts are limited to one withdrawal per calendar year, excess withdrawals will incur a fee. Regular share and club account dividends are compounded quarterly. Money market account dividends are compounded monthly. The APY is based on the assumption that minimum balances & other requirements are met. Fees could reduce the earnings on the account. APY = Annual Percentage Yield.

$500.00 - $24,999.99

Dividend Rate

APY

6 Months

3.80%

3.87%

12 Months

4.50%

4.59%

18 Months

4.13%

4.21%

24 Months

4.60%

4.70%

$25,000.00 - $99,999.99

Dividend Rate

APY

6 Months

3.83%

3.90%

12 Months

4.52%

4.62%

18 Months

4.15%

4.23%

24 Months

4.62%

4.72%

$100,000.00 and over

Dividend Rate

APY

6 Months

3.86%

3.93%

12 Months

4.54%

4.64%

18 Months

4.17%

4.25%

24 Months

4.64%

4.74%

APY is based on the assumption that minimum balances & other requirements will be met. All certificate dividends are compounded monthly. Certificates are subject to a penalty for early withdrawal. APY = Annual Percentage Yield.

Approximate Term

Daily Periodic Rate

APR

72 Month*

0.018493% - 0.033562%

6.75% - 12.25%

60 Month*

0.017808% - 0.046575%

6.50% - 17.00%

48 Month*

0.017123% - 0.045890%

6.25% - 16.75%

36 Month*

0.016438% - 0.045205%

6.00% - 16.50%

RVs - 84 Month*

0.021233% - 0.030137%

7.75% - 11.00%

RVs - 120 Month*

0.023288% - 0.040411%

8.50% - 14.75%

*Approximate Term--The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.

Type of Loan

Daily Periodic Rate

APR

Share Savings Secured

0.016438%

6.00%

Certificate Secured**

0.016740%

6.11%**

**As of 1/1/06 this rate is 6.11% APR—based on 1 year CD rate for $100,000 or more. See your loan disbursement voucher for our current rate.

Type of Loan

Daily Periodic Rate

APR

Personal

0.027123% - 0.049041%

9.90% - 17.90%

Overdraft

0.040822%

14.90%

Loan rates are based on credit worthiness as determined by applicant's credit bureau Beacon score. APR is Annual Percentage Rate.