SAVINGS RATES  |  DEPOSIT RATES  |  LOAN RATES  |  LOAN DISCLOSURES

Effective: 12/08/08 Share & Savings Account Rates ACCOUNT TYPE MINIMUM OPENING DEPOSIT* DIVIDEND RATE** ANNUAL PERCENTAGE YIELD (APY) Membership Share/Savings $15.00 1.00% 1.00% Christmas Share/Savings - 1.00% 1.00% Share Draft/Checking - 1.00% 1.00% Differential Share Draft - 1.00% 1.00% IRA Accumulation $20.00 2.50% 2.52% * Minimum opening deposit is also minimum average daily balance to obtain the disclosed annual percentage yield (APY). ** All share account dividend rates and annual percentage yields (a) are accurate as of the last dividend declaration date and (b) may change after the account is opened. TOP

Effective: 07/16/2008 Certificates of Deposit Rates* PLAN TYPE TERMS MINIMUM DEPOSIT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) C** 12 Months $5,000 2.80% 2.80% K 6 Months $500 2.80% 2.83% L 12 Months $500 2.80% 2.83% M 18 Months $500 2.90% 2.93% N 24 Months $500 2.90% 2.93% O 30 Months $500 3.00% 3.03% P 36 Months $500 3.00% 3.03% * Interest rates may change at any time.  Please call 800/542-1246 to receive current rate information. A penalty will be imposed for early withdrawal from any Certificate of Deposit.  Fees can reduce earnings. ** This plan requires members to receive monthly dividends. TOP

Effective: 07/16/2008 IRA Certificates of Deposit Rates*  PLAN TYPE TERMS MINIMUM DEPOSIT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) J** 12 Months $5,000 2.80% 2.80% Q 6 Months $500 2.80% 2.83% R 12 Months $500 2.80% 2.83% S 18 Months $500 2.90% 2.93% T 24 Months $500 2.90% 2.93% U 30 Months $500 3.00% 3.03% V 36 Months $500 3.00% 3.03% * Interest rates may change at any time.  Please call 800/542-1246 to receive current rate information. A penalty will be imposed for early withdrawal from any IRA Certificate of Deposit.  Fees can reduce earnings. ** This plan requires members to receive monthly dividends. TOP

Effective:10/20/2008 Loan Rates DESCRIPTION APPROXIMATE TERM DAILY PERIODIC RATE ANNUAL PERCENTAGE RATE LOAN-TO-VALUE RATIO New Auto 36 Months 0.014384% 5.25% Up to 100% of purchase price 48 Months 0.014384% 5.25% Up to 100% of purchase price 60 Months 0.015205% 5.55% Up to 100% of purchase price 72 Months 0.016301% 5.95% Up to 100% (minimum financed $25,000) Used Auto 36 Months 0.014384% 5.25% Up to 100% purchase/max NADA retail 48 Months 0.015205% 5.55% Up to 100% purchase/max NADA retail 60 Months 0.016301% 5.95% Up to 100% purchase/max NADA retail New Motorcycle 48 Months 0.016849% 6.15% Up to 100% of MSRP 60 Months 0.018219% 6.65% Up to 100% of MSRP Used Motorcycle 48 Months 0.019041% 6.95% Up to 100% purchase/max NADA retail New Recreational Vehicle 180 Months 0.017534% 6.40% Up to 100% of purchase price Used Recreational Vehicle 120 Months 0.018904% 6.90% Up to 100% purchase/max NADA retail New Boat 95 Months 0.016986% 6.20% Up to 100% of purchase price Used Boat 72 Months 0.018904% 6.90% Up to 100% purchase/max NADA retail Major Appliance 48 Months 0.027123% 9.90% Up to 90% of purchase General Purpose Advance with Collateral 36 Months 0.027123% 9.90%     *Line-of-Credit/Overdraft   0.032877% 12.00%     Differential Line-of-Credit   0.030137% 11.00%     * Overdraft advances will be made in $100.00 increments.  If $100.00 is not available, then it will advance the available balance. TOP Disclosures:   SHARE SECURED:  If the dividend rate on the share accounts change, the ANNUAL PERCENTAGE RATE for share-secured advances will change.  The ANNUAL PERCENTAGE RATE for share-secured advances will be 3.00% above the dividend rate.  The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00%  If the ANNUAL PERCENTAGE RATE increases, your payments will increase.  The share account must remain open until the advance is completely paid.  The specific ANNUAL PERCENTAGE RATE and daily periodic rate will be disclosed to you at the time of advance.   CERTIFICATE SECURED: If the dividend rate on certificates of deposit change, the ANNUAL PERCENTAGE RATE for the certificate-secured advances will change.  The ANNUAL PERCENTAGE RATE for certificate-secured advances will be 3.00 above the dividend rate.  The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00%  If the ANNUAL PERCENTAGE RATE increases, your payments will increase.  The certificates must be renewed until the advance is completely paid.  The specific ANNUAL PERCENTAGE RATE and daily periodic rate will be disclosed to you at the time of advance.   FILING FEE: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral.  The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain a lien on your property.  The amount of the filing fee will be disclosed on the advance voucher.   COLLECTION COSTS: You promise to pay all the cost of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.   LATE FEE CHARGE: Loan payments that are more than 15 days late will be assessed a late charge fee equal to 5% of the monthly payment with the minimum of $5.00 and the maximum of $25.00. TOP