Rates for Share/Savings Products

Share Accounts
(Dividend declared September 30, 2008)*

1.75% APR 1.77% APY*
minimum deposit requirement of $5.00/minimum $5.00 balance to earn a dividend

IRA Accounts
(Individual Retirement Accounts)
(Dividend declared September 30, 2008)*

3.50% Dividend Rate 3.58% APY*

minimum deposit requirement of $400/minimum $400.00 balance to earn a dividend

Term Share Certificates
Rates as of August 22, 2008*

6 Month $500 minimum 2.35% APR 2.37% APY*
12 month $1000 minimum 2.65% APR 2.68% APY*

Penalties for Early Withdrawal
6 Mo TSC penalty is equal to 31 days interest
12 Mo TSC penalty is equal to 90 days interest

*Annual Percentage Yield.

Rates are subject to change. The disclosed dividend rates & annual percentage yields are accurate as of the last declaration date. The annual percentage yield is based on the assumption that the dividend stays on deposit until account maturity. A withdrawal of dividend will reduce earnings. If you close your account before dividends are credited, you will not receive the accured dividend. Please call the credit union for the most current rates available.

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