Rates as of January 3, 2012 per board approval. Rates are subject to change without notice.

TYPE OF ACCOUNT	ROLLOVER RATE-APY*	NEW MONEY-APY*	**MIN. BALANCE
Passbook (Savings)	0.20 - 0.20%	0.20 - 0.20%	$25.00
N.O.W. (Checking)	0.05 - 0.05%	0.05 - 0.05%	0.00
Money Market	0.35 - 0.35%	0.35 - 0.35%	2,000.00
Money Market	0.35 - 0.35%	0.35 - 0.35%	10,000.00
HSA	0.75 - 0.75%	0.75 - 0.75%	50.00
IRA	0.75 - 0.75%	0.75 - 0.75%	50.00
Certificate of Deposit
3 Month	0.20 - 0.20%	0.10 - 0.10%	500.00
6 Month	0.45 - 0.45%	0.30 - 0.30%	2,500.00
1 Year	0.60 - 0.60%	0.45 - 0.45%	5,000.00
1 Year	0.85 - 0.85%	0.45 - 0.45%	50,000.00
18 Month	0.70 - 0.70%	0.55 - 0.55%	10,000.00
18 Month	0.95 - 0.95%	0.55 - 0.55%	50,000.00
2 Year	0.75 - 0.75%	0.60 - 0.60%	10,000.00
2 Year	1.00 - 1.00%	0.60 - 0.60%	50,000.00
30 Month	0.85 - 0.85%	0.70 - 0.70%	10,000.00
30 Month	1.10 - 1.10%	0.70 - 0.70%	50,000.00
3 Year	1.11 - 1.11%	0.96 - 0.96%	10,000.00
3 Year	1.35 - 1.36%	0.96 - 0.96%	50,000.00
Kids' 1 Year CD (0-18 Yrs. old)	0.60 - 0.60%	0.60 - 0.60%	200.00
* APY is Annual Percentage Yield*
**CD's with a minimum balance of $500 will be 0.25% lower than current rate**
***A penalty will be enforced for the early withdrawal from a certificate of deposit which will be 90 days of interest***
Your savings are federally insured.                                                                                    For more information, visit the National Credit Union Administration at http://www.ncua.gov/DataApps/Pages/SI-FAQs.aspx