Current Savings Rates

For accounts posting January 1, 2009

Annual Account Dividend APY**
Share Drafts (Checking)
Paid on accounts where the balance did not go below $200. $25 minimum
balance required.
0.00%
0.00%

Regular savings, Christmas, special and vacation accounts *
Paid on accounts where the balance did not go below $200 (excluding minor accounts). $25 minimum balance required to avoid $7 service fee.

1.00%
1.01%

Individual retirement accounts (IRAs) *
$100 required balance.

1.75%
1.77%

*Dividends will be calculated by the daily balance method which applies a daily periodic rate to the balance
in the account each day. Any account closed prior to a dividend period will not receive a dividend. Dividend
rates are based on the availability of credit union earnings and market conditions; rates are subject to
change without notice. Closed accounts subject to a $5.00 closure fee.

**Annual Percentage Yield

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