*APY = Annual Percentage Yield.  As declared for Third Quarter 2012, July, August, and September, and accurate as of September 18, 2012.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared at end of each quarter, calculated on average daily balance, paid and compounded quarterly.  Minimum balance (par value) of Share account is $5.00.  Minimum balance for Club accounts is $5.00.  No minimum balance on Share Draft (Checking) account.

 *APY = Annual Percentage Yield.  **Bump-Up option available on new certificates with 24 months or greater term.  Contact a Member Service Representative for details and restrictions.  Certificate yields effective February 29, 2012 and accurate as of September 18, 2012.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Minimum deposit required to open certificate is $1,500.00.  Early withdrawal penalties may apply on share and IRA certificates.

 *APY = Annual Percentage Yield.  Yields shown above effective March 1, 2012 and accurate as of September 18, 2012.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared first of each month, calculated based on average daily balance, and paid monthly.  Money Market Accounts require $2,500.00 minimum deposit.  Account will remain open with as little as $5.00 on deposit.  Withdrawals/ transfers in excess of three (3) per month incur $10.00 fee per transaction.

 *APY = Annual Percentage Yield.  You may be able to increase your Retirement Account earnings by purchasing an IRA Certificate!  Call a Member Service Representative for more information.  IRA yields declared for Third Quarter 2012, July, August, and September, and correct as of September 18, 2012.  Rates subject to change without notice.  Contact credit union to verify current rates and yields.  Dividends declared at end of each quarter, calculated on average daily balance, paid and compounded quarterly.  Minimum deposit required to open an IRA account is $100.00.