Annual Percentage Yields

Term or Share	APY	Minimum to Open and Obtain APY	Compounding and Crediting Frequency
6 month certificate	2.85	500	Maturity
9 month certificate	N/A	N/A	N/A
12 month certificate	3.05	500	Maturity
15 month certificate	3.05	1000	Quarterly
18 month certificate	3.05	500	Semi-annually
24 month certificate	3.50	500	Annually
36 month certificate	4.00	500	Annually
48 month certificate	4.00	500	Annually
60 month certificate	4.00	500	Annually
72 month certificate	4.00	500	Annually
Regular Share*	1.26	1/100	Quarterly
Secondary Share*	1.26	0/100	Quarterly
Youth Saver's*	1.26	1/25	Quarterly
Christmas Club*	1.26	0/100	Quarterly
Vacation Club*	1.26	0/100	Quarterly
First Fund	2.00	2,500/2,460	Monthly
Checking I	0	0	N/A
Checking II	.50	0/750	Monthly
First Rate Checking	5.01	50	Monthly
Preferred Checking	.50	0/1000	Monthly
Preferred Checking Plus	.50	0	Monthly
Business Plus Checking	.50	0/1000	Monthly
Accumulation IRA*	1.26	100	Quarterly
HSA Savings**	2.25	1/25	Monthly
Money Management	1.75	1,000-24,999	Monthly
(no min. to open)	2.00	25,000-49,999	Monthly
	2.25	50,000 or more	Monthly

• Annual Percentage Yields are subject to change daily.
  
• Deposits are insured for $100,000 by the National Credit Union Administration.
  
• Certificates have substantial penalty for early withdrawal.
• Fees may affect earnings.