Deposit

Deposit Rates

Rates are subject to change without notice.

CD Specials

Effective: July 1, 2009

Term	Minimum balance	APY*
18 Month Bump-Up	$500.00	1.80%
*Annual Percentage Yield (APY) subject to change without notice. 18-month CD interest rates advertised above reflects a 0.15% premium, obtainable through the Loyalty Rewards program. Total Loyalty Program premium available is 0.25%. Rate without Loyalty Rewards premium is 1.65% APY for the 18-month CD. Contact the Credit Union for full program details. Minimum deposit for 18-month CD $500. If at any time during the 18-month term the rate goes up, members have the option to bump-up to the higher rate, one time only. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal.

Term	Minimum balance	APY*
7 Month Add-On	$2,500.00	1.50%
*Annual Percentage Yield (APY) subject to change without notice. 7-month CD interest rates advertised above reflects a 0.15% premium, obtainable through the Loyalty Rewards program. Total Loyalty Program premium available is 0.25%. Rate without Loyalty Rewards premium is 1.75% APY for the 7-month CD. Contact the Credit Union for full program details. Minimum deposit for 7-month CD $2,500. Members allowed to make additional deposits of any amount before the maturity of the 7-month CD. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal.

Certificates of Deposit

Effective: July 1, 2009

Term	Minimum daily balance to earn APY	APY*
3 months	$500.00	1.10%
4 months	$500.00	1.15%
6 months	$500.00	1.25%
9 months	$500.00	1.50%
10 months	$500.00	1.75%
12 months	$500.00	1.50%
18 months	$500.00	1.65%
24 months	$500.00	1.50%
36 months	$500.00	1.50%
48 months	$500.00	1.50%
60 months	$500.00	3.00%
*Annual Percentage Yield (APY) subject to change without notice. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal from a Certificate of Deposit account.

Checking & Savings Accounts

Effective: July 1, 2009

Program	Minimum daily balance to earn APY	APY*
Interest Checking**	$0.01	0.25%
e-plus Checking***	$0 -$50,000 Over $50,000 Criteria Not Met	3.65% 0.50% 0.10%
Business Interest Checking^	$0.01	1.00%
Basic Savings	$0.01	0.25%
Power Saver Savings^^	$25.00	1.00%
Business Savings	$100.00	0.25%
Premium Savings	$50,000 $10,000	1.50% 1.00%
Personal Money Market	$50,000 $25,000 $2,500	1.50% 1.25% 0.50%
IRA Account	$100.00	0.75%
Holiday Club Account	$0.01	0.50%

*Annual Percentage Yield (APY) subject to change without notice. Fees could reduce the earnings on selected accounts listed above. ** Monthly fee of $10.00 applies without Direct Deposit. ***Criteria to earn High Rate of Interest and ATM Rebate: Minimum of 12 Point of Sale Transactions with ATM/Debit Card per statement cycle, Log on to Home Banking at least once per month, Direct Deposit or Monthly ACH auto debit, receive month-end electronic statement (when available). Balances above $50,000 earn interest at a lower rate. ^Monthly fee of $12.00 if daily balance falls below $1,000.00 at any point during the statement cycle. ^^Requires a People's Checking Account and scheduled monthly transfer between accounts.