Rate Information

Please Contact Credit Union for Current Loan Rates and Loan Promotions

APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Certificates

Rates as of 1/26/2010.
Rate Description	Term	Dividend Rates	APY
SIX MONTH CERTIFICATE	6 MONTHS	1.00%	1.00%
CERTIFICATE OF DEPOSIT	12 MONTHS	1.85%	1.85%
CERTIFICATE OF DEPOSIT	18MONTHS 10,000 MIN	2.00%	2.00%
CERTIFICATE 10,000.00 MINIMUM	24 MONTH	2.10%	2.10%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

Savings/Shares Rates

Rates as of 1/26/2010.
Rate Description	Term	Dividend Rates	APY
Regular Shares	QUARTERLY	0.25%	0.25%
Christmas Club	QUARTERLY	0.25%	0.25%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

IRAs

Rates as of 1/26/2010.
Rate Description	Term	Dividend Rates	APY
IRA's	quarterly	0.50%	0.50%

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

The Rates are subject to change by the Credit Union without prior notice

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