SHARE RATES*

Effective May 1, 2012

	Projected Dividend Rate	Annual Percentage Yield
SAVINGS/SHARE ACCOUNT $100 Minimum Balance to earn dividends	.12%	.12%
VALUE CHECKING/SHARE DRAFT ACCOUNT $750 Minimum Balance to avoid service charges	.12%	.12%
ESCROW SAVINGS	.12%	.12%
HOLIDAY/VACATION CLUB SAVINGS	.12%	.12%
IRA SAVINGS ACCOUNT	.20%	.20%
MONEY MARKET PLUS
$2,500 - $25,000	.20%	.20%
$25,001 - And More	.20%	.20%
*All rates are subject to change
SHARE CERTIFICATE and IRA CERTIFICATE ACCOUNTS (Rates Change on the 1st and 15th of the Month)
3 MONTH	.20%	.20%
6 MONTH	.25%	.25%
12 MONTH	.35%	.35%
24 MONTH	.55%	.55%
36 MONTH**	.80%	.80%
60 MONTH**	1.05%	1.06%
($500 Minimum on Certificate Terms Up to 24 Months; $1000 Minimum on Terms 36 Months and Longer) ** Certificates of 36 months or longer include a one time rate boost option. Once during the duration the rate can be adjusted to the current rate for certificates of the same amount and duration. Early withdrawal of certificates is subject to an interest penalty. Except as to share certificates, federal regulations prohibit the guarantee of any dividend, since payment of all dividends is based on available earnings. Ask a Credit Union staff member for further information about the fees and terms applicable to the accounts above. Fees or other conditions could reduce earnings. Note: All dividends paid and compounded monthly based on daily balance.