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Certificates

Rates Effective: September 11, 2008

IRA Rates

Term

Min. Account to Balance

Tier

Dividend Rate

Annual Percentage Yield

6 Month

$500.00

$500 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

2.72%

2.77%

2.82%

2.87%

2.75%

2.80%

2.85%

2.90%

Easy Saver 12 Months *

$100.00

N/A

3.15%

3.20%

MSA
12 Months *

$100.00

N/A

3.15%

3.20%

12 Month

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

3.11%

3.16%

3.21%

3.26%

3.15%

3.20%

3.25%

3.30%

15 Month

$1,000.00

$1,000 +

3.31%

3.35%

18 Month **

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

3.36%

3.40%

24 Month

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

3.45%

3.50%

3.55%

3.60%

3.49%

3.55%

3.60%

3.65%

36 Month

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

3.70%

3.75%

3.80%

3.84%

3.75%

3.80%

3.85%

3.90%

48 Month

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

4.28%

4.33%

4.38%

4.43%

4.35%

4.40%

4.45%

4.50%

60 Month

$1,000.00

$1,000 - $9,999.99

$10,000 - $24,999.99

$25,000 - $49,999.99

$50,000 +

4.52%

4.57%

4.62%

4.67%

4.60%

4.65%

4.70%

4.75%

All certificates except Easy Saver have dividends compounded and credited quarterly. Dividend period is based on calendar quarter. Additional deposits are not allowed on regular certificates until maturity. IRA certificates, additional deposits are allowed anytime with minimum amount of $250.00 each deposit. Withdrawals are allowed with penalty. Certificate renewal is automatic.

Easy Saver dividends are compounded and credited monthly. Dividend period is based on calendar month. $25.00 minimum additional deposits allowed. Withdrawals are allowed with penalty. Certificates renewal is automatic.

*For members below 18yrs of age.
**Bump-up option- This option maximizes the return on your investment by allowing you, at one time during the term of your certificate, contact the credit union and your current dividend rate will be changed to the dividend rate of the current month for your tier level. This currently applies only to the 18 month certificate.

Call or stop by your local branch for current account disclosures.

NCUA ALL DEPOSITS ARE FEDERALLY INSURED UP TO $250,000 BY THE NATIONAL CREDIT UNION ADMINISTRATION, A U.S. GOVERNMENT AGENCY.