SAVINGS, TERM SHARE CERTIFICATE & IRA

INTEREST RATES
effective June 24, 2008
Interest rates are subject to change without notice.  Additional terms and conditions may apply.  "CMP" refers to the compounding method and is explained in footnotes at the bottom of the page.
Dividend Rates               
Account Type CMP APR APY
Regular Savings
  Age 18 - 64 ($100 - up)
  Age 18 - 64 w/life savings ($5 - up)
  Minors ($5 - up)
  Retirees ($5 - up)
  Retirees w/life savings 65 - 69 ($5 - up)
1
1
1
1
1
0.70%
0.20%
0.70%
0.75%
0.50%
0.70%
0.20%
0.70%
0.75%
0.50%
Christmas Savings (.01 - up) 1 0.70% 0.70%
Vacation Savings (.01 - up) 1 0.70% 0.70%
Super Share Savings
  $2,500 to $9,999.99
  $10,000 to $24,999.99
  $25,000 - up
1
1
1
1.35%
1.45%
1.55%
1.36%
1.36 - 1.42%
1.42 - 1.52%
Prestige Checking
  up to $999.99
  $1,000 to $2,499.99
1
1
0.40%
0.45%
0.40%
0.45%
Prestige Gold Checking
  $2,500 - up
1
0.50%
0.50%
Term Share Certificate - 3 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
2
2
2
2
2.25%
2.35%
2.45%
2.55%
2.27%
2.37%
2.47%
2.57%
Term Share Certificate - 6 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
3
3
3
3
2.45%
2.55%
2.65%
2.75%
2.46%
2.57%
2.67%
2.77%
Term Share Certificate - 12 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
4
4
4
4
2.70%
2.80%
2.90%
3.00%
2.73%
2.83%
2.93%
3.03%
Term Share Certificate - 24 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
4
4
4
4
2.95%
3.05%
3.15%
3.25%
2.98%
3.09%
3.19%
3.29%
Term Share Certificate - 36 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
4
4
4
4
3.00%
3.10%
3.20%
3.30%
3.03%
3.14%
3.24%
3.34%
Term Share Certificate - 48 month
  $500 - $5,000
  $5,001 - $25,000
  $25,001 - $45,000
  $45,001 - up
4
4
4
4
3.05%
3.15%
3.25%
3.35%
3.09%
3.19%
3.29%
3.39%
IRA Accounts
  Variable (no minimum)
  12 months ($500 minimum)
  24 months ($500 minimum)
  36 months ($500 minimum)
  48 months ($500 minimum)
  60 months ($500 minimum)
1
5
5
5
5
5
1.85%
2.85%
2.95%
3.00%
3.05%
3.15%
1.86%
2.88%
2.98%
3.03%
3.09%
3.19%
Definitions

APR - Annual Percentage Rate
APY - Annual Percentage Yield
CMP - Compounding Method:
  1 - Calc. daily, paid quarterly
  2 - Calc. daily, paid at maturity
  3 - Calc. daily, paid at maturity, or monthly and transferred
  4 - Calc. daily, paid monthly & transferred or quarterly & added to term share
  5 - Calc. daily, paid quarterly to term share

Low figure for an APY is calculated based on the total amount of dividends earned for a year assuming the minimum principal required to earn the dividend rate for that tier.  The high figure for an APY is based on the amount of dividends the credit union would pay on the highest principal that could be deposited to earn that same dividend rate.
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