Share Saving and Certificate Rates:

Savings & Checking Rates effective 11/30/2012 Account Type       APR*** APY*** Regular       .10 % .10 % I.R.A.       .50 % .50 % Money Market ($2500.00 +)   $ 2,500   .15 % .15 % Money Market ($10000.00 +)   $ 10,000   .20 % .20 % Money Market ($25000.00 +)   $ 25,000   .25 % .25 % Special Savings       .10 % .10 % Christmas Club       .10 % .10 % Escrow Savings       .10 % .10 % Funds Savings       .10 % .10 % Kids Club       .10 % .10 % Vacation Savings       .10 % .10 % Rates are Subject to Change! * APY Equals Annual Percentage Yield!   Certificates of Deposits Rates effective 11/30/2012 Account Type   Minimum   APR*** APY*** 12 month Share Certificate   $ 500   .25 % .25 % 24 month Share Certificate   $ 500   .40 % .40 % All Certificates require a minimum of $500.00, unless noted. Rates are Subject to Change! * APY Equals Annual Percentage Yield!         ***APR is Annual Percentage Rate. *** APY is Annual Percentage Yield. Deposits insured by National Credit Union Administration. ALL RATES AND YIELDS SUBJECT TO CHANGE WITHOUT NOTICE.