Deposit Rates as of February 1, 2012

Personal Accounts	Annual Percentage Yield (APY)
Shares $100 minimum to earn APY (Savings & Club Accounts)	0.15%
Sharedraft Classic Checking $200 minimum to earn APY	0.01%
Sharedraft Premiere Checking $500 minimum to earn APY	0.10%
IRA $100 minimum to earn APY	0.35%

Money Market Accounts minimum to open $2,500	Annual Percentage Yield (APY)
$100 to $2,499.99	0.00%
$2,500 to $9,999.99	0.10%
$10,000 to $24,999.99	0.15%
$25,000 to $49,999.99	0.20%
$50,000 to $99,999.99	0.30%
$100,000 and over	0.40%

Business Accounts	Annual Percentage Yield (APY)
Business Shares (Savings & Club Accounts)	0.15%
Premiere Business Checking
$1,000 to $24,999.99	0.15%
$25,000 to $49,999.99	0.20%
$50,000 to $99,999.99	0.30%
$100,000 and over	0.40%

Jumbo Share Certificates† $100,000 minimum	Annual Percentage Yield (APY)
10 month	0.90%
20 month	1.15%
50 month	1.85%

Share Certificates† $25,000 minimum	Annual Percentage Yield (APY)
6 month	0.50%
10 month	0.65%
12 month	0.75%
18 month	0.85%
20 month	1.00%
24 month	1.15%
36 month	1.50%
50 month	1.70%
60 month	2.10%

Share Certificates† $500 minimum	Annual Percentage Yield (APY)
3 month	0.25%
6 month	0.40%
10 month	0.55%
12 month	0.65%
18 month	0.75%
20 month	0.90%
24 month	1.05%
36 month	1.40%
50 month	1.60%
60 month	2.00%

†Earn .10% rate increase on New Certificates with the Premiere Checking Account

Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

Dividends will be calculated based on collected balance. Share, Share Draft, and Money Market Account rates are variable and subject to change.

Annual Percentage Yield assumes that dividends will remain on deposit. Withdrawal of dividends will reduce actual earnings. Fees may reduce earnings.

Dividends are paid from current income and available earnings, after transfers to reserves at the end of the dividend period.

Your savings are federally insured to $250,000 by the National Credit Union Administration, a U.S. Government Agency.