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Certificate and IRA Rates:
Effective 2/1/10

Share Certificate Rates:

               Term                  Minimum Amount                  Dividend Rate                      APY*     
               03 Months                   $1,000                               0.500                          0.500  
               06 Months                   $1,000                               0.750                          0.751
               12 Months                   $1,000                               1.000                          1.001   
               24 Months                   $1,000                               1.500                          1.503 
               48 Months                   $2,000                               2.000                          2.005



Individual Retirment Account (IRA) Rates:

                         Balance                           Dividend Rate                        APY*  
                         Less than $100                      0.000                             0.000   
                         $100 and above                     1.000                             1.005     


*APY stands for Annual Percentage Yield. Some savings instruments may have a penalty for withdrawal before maturity.
Rates are subject to change without notice. Contact the credit union for more information.