Dividend Rates

Rates current as of January 1, 2012. All rates are subject to change without prior notice.

Regular Shares and Special-Purpose Share Accounts

Minimum Balance APR APY $5.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Vacation Club and Holiday Club Accounts

Minimum Balance APR APY $25.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Money Market Accounts

Minimum Balance APR APY $5.00 0.00% 0.00% $2,500.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Individual Retirement Account (IRA)

Minimum Balance APR APY $5.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Term Share Certificate Account

Term APR APY $1,000 Minimum Balance 6 Months 0.10% 0.10% 12 Months 0.10% 0.10% 18 Months 0.10% 0.10% 24 Months 0.10% 0.10% 36 Months 0.10% 0.10%

Term APR APY $50,000 Minimum Balance 6 Months 0.25% 0.25% 12 Months 0.25% 0.25% 18 Months 0.25% 0.25% 24 Months 0.25% 0.25% 36 Months 0.25% 0.25%

Term Share Certificates Member Loyalty Rate Reward Added to APR Bill Pay User 0.00% E-Statement User 0.00% Checking Account 0.00% Payroll Deduction or Direct Deposit 0.00% Cummulative Savings, IRA, and Checking Accounts Average Balance >= $10,000 0.00%

Maximum rate reward is 0.25%. Accounts must be active and established at 90 days prior to certificate opening.

*All rates subject to change without prior notice. All rates are based on account average daily balance. Accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Regular Shares, Special-Purpose Shares, Vacation Club, Holiday Club, and IRA are variable and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. A substantial penalty will or may be imposed for early withdrawal with a minimum of $100.00. Please contact the credit union for details.