| PROJECTED DEPOSIT RATES | DIVIDEND RATE | RATE APY* |
| SHARE/SAVING/CHRISTMAS ($5.00 minimum to open) |
0.90% | 0.90% |
| CLASSIC CHECKING ($750.00 minimum to earn dividend) |
0.25% | 0.25% |
| HORIZONS CHECKING ($750.00 minimum to earn dividend) |
0.25% | 0.25% |
| energY CHECKING (does not earn dividend) |
0.00% | 0.00% |
| MONEY MARKET ($1000.00 minimum to earn this dividend, $999.99 or less earns Classic Checking account dividend rate) |
1.10% | 1.11% |
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* APY= Annual Percentage Yield. All Rates are subject to change without notice. Lending rates are subject to credit approval. All Share accounts are compounded and paid quarterly. Share Drafts are compounded and paid monthly. Rates may change after account is opened. All Share Certificates are compounded and paid monthly. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of Share Certificate deposits. As of May 2009, your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency, until at least December 31, 2013.
| SHARE CERTIFICATES ($500.00 minimum to open) |
DIVIDEND RATE | RATE APY* |
| 3 MONTHS | 1.25% | 1.26% |
| 6 MONTHS | 1.40% | 1.41% |
| 12 MONTHS | 1.80% | 1.82% |
| 18 MONTHS | 1.85% | 1.87% |
| 24 MONTHS | 2.05% | 2.07% |
| 30 MONTHS | 2.15% | 2.17% |
| 36 MONTHS | 2.40% | 2.43% |
| IRA VARIABLE | 1.10% | 1.11% |
| EZ Start Share Certificate Builder 12 MONTHS ($100 minimum to open) |
1.80% | 1.82% |
SHARE SECURED LOAN - 5 YEAR MAX: 4% above last paid share rate
SHARE CERTIFICATE SECURED LOAN - CERTIFICATE TERM: 3% above rate of Certificate
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* APY= Annual Percentage Yield. All Rates are subject to change without notice. Lending rates are subject to credit approval. All Share accounts are compounded and paid quarterly. Share Drafts are compounded and paid monthly. Rates may change after account is opened. All Share Certificates are compounded and paid monthly. Fees can reduce the earnings of deposit accounts. Penalties may apply for early withdrawal of Share Certificate deposits. As of May 2009, your savings are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency, until at least December 31, 2013.
| UNSECURED LOANS | RATE APR* |
| Line of Credit | 8.75% - 14.75% |
| Educational 5 Years | 9.90% |
| Health Care 3 Years | 8.75% |
| Signature | 8.75% - 14.75% |
| Grad Cash Loan** (10 months up to $2,000) | 6.75% |
| CU Abroad Loan** (10 months up to $2,000) | 6.75% |
| Visa Platinum | 8.75% - 15.75% |
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* APR= Annual Percentage Rate.
Personal Property - Secured Maximum Terms: 1 Year Max: FFA & 4H | 3 Year Max: New Home Electronic Equip & Stock Secured Loan | 4 Year Max: Farm Equipment, Mobile Homes | 5 Year Max: Motorcycle & Camper | 6 Year Max: Vehicle | 15 Year Max: Boat, Airplanes, and RV's
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* APR= Annual Percentage Rate. APY = Annual Percentage Yield |