Rate Information

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

Certificates

Rates as of 11/15/2006.
Rate Description	Term	Dividend Rates	APY
Certificate Of Deposit	6 month	1.50%	1.50%
Certificate of Deposit	12 month	3.50%	3.50%
Certificate Of Deposit 5,000 min	12 Month	4.75%	4.75%
CERTIFICATE OF DEPOSIT	18MONTHS 10,000 MIN	5.00%	5.00%

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 11/15/2006.
Rate Description	Term	Dividend Rates	APY
Regular Shares		0.75%	0.75%
Christmas Club		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 11/15/2006.
Rate Description	Term	Dividend Rates	APY
IRA's	quarterly	1.00%	1.00%

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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