Deposit Rates

 Term Certificate, Checking, and Savings Rates ***
Effective Date November 17, 2008
Rates Subject to Change Without Notice

ACCOUNT

DIVIDEND RATE

APY*

MIN. BAL TO EARN APY

Term Certificates/Individual Retirement Accounts - IRA/SEP ^1**

Three Month

2.325%

2.35%

$500

Six Month   

2.425%

2.45%

$500

3.445%

3.50%

$500

3.930%

4.00%

$500

Two Year

3.930%

4.00%

$500

Thirty Month

3.930%

4.00%

$500

Three Year

3.930%

4.00%

$500

Four Year

3.930%

4.00%

$500

Five Year

3.930%

4.00%

$500

Seven Month

3.200%

3.25%

$500

Thirteen Month*^*^

3.690%

3.75%

$500

 ¹If you are 59 1/2 or older, you may change the term of your certificate once in a 12 month period (IRAs Only).

Relationship Premium Rates (Includes CDs and IRAs)^^**
                                                                  RATES AS HIGH AS.....^^

Three Month

2.815%

2.85%

$500

Six Month

2.910%

2.95%

$500

Twelve Month

3.930%

4.00%

$500

4.410%

4.50%

$500

Two Year

4.410%

4.50%

$500

Thirty Month

4.410%

4.50%

$500

Three Year

4.410%

4.50%

$500

Four Year

4.410%

4.50%

$500

Five Year

4.410%

4.50%

$500

Seven Month

3.690%

3.75%

$500

Thirteen Month*^*^

4.170%

4.25%

$500

^^Relationship Premium Rates Apply to Term Certificates Only 
       (Includes IRAs)
       Receive a higher dividend based on your total relationship: 
       Checking with Direct Deposit earns an extra 0.25%, A Mortgage 
       Product earns an extra 0.10%, A Consumer Loan earns an 
       extra 0.15% or Checking without Direct Deposit (open for 
       at least one year) earns an extra 0.15% over our standard 
       rates.
*^*^ Requires $2500.00 of new money or a checking account with direct deposit,
also requires a relationship as stated in ^^ to receive the relationship premium rate.

*Annual Percentage Yield

**Penalty may be imposed for early withdrawal. Fees could reduce earnings on account.

***Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government.

Checking

Now Checking

0.050%

.05%

$500

Select Checking

0.050%

.05%

$5,000.00 in combined deposit accounts

Direct Bonus Checking**

0.050%

0.05%

$500

Hero Checking^

0.050%

0.05%

$500

1st Place Checking¹

1.490%

1.50%

+$75,000

1st Place Checking¹

1.490%

1.50%

>$50,000

1st Place Checking¹

0.500%

0.50%

>$25,000

1st Place Checking¹

0.250%

0.25%

>$15,000

1st Place Checking¹

0.050%

0.05%

>$2,500

1st Place Checking¹

0.050%

0.05%

>$2,500

** The amount of your Bonus Payment is 1.00% of your direct deposit amount, which will be capped at $10.00 each month. You must also maintain the daily minimum balance in your statement savings account to receive this Bonus Payment. 

^ Free ATMs, checks, Visa Check Card, ODP, eStatements, On-Line Banking & Bill Pay.  Bonus Dividend of 1.00% of your direct deposit amount, capped at $10 each month w/$100 Savings Account. 

¹APY reverts to .05% when balance goes below minimum balance.
Minimum opening balance for 1st Place Checking is $15,000.

Savings

Regular Savings

0.250%

0.25%

$100

Christmas/Vacation Club

0.250%

0.25%

$5

Hero Savings ^^

2.470%

2.50%

+ = $3,000

Hero Savings ^^

1.980%

2.00%

> = $1,000

Hero Savings ^^

1.000%

1.00%

> = $100

Elite Choice Money Market Savings¹

2.960%

3.00%

> = $75,000

Elite Choice Money Market Savings¹

2.715%

2.75%

> = $50,000

Elite Choice Money Market Savings¹

2.470%

2.50%

> = $25,000

Elite Choice Money Market Savings¹

2.225%

2.25%

> = $10,000

Elite Choice Money Market Savings¹

1.980%

2.00%

> = $2,500

Elite Choice Money Market Savings¹

0.050%

0.05%

< $2,500

^{^^Must have Hero Checking to be eligible for Hero Savings.
1}Minimum opening balance for Elite Choice Money Market is $2,500. To be eligible to open an Elite Choice Money Market Savings, you must have a Checking account with direct deposit. If your direct deposit is not established within 60 days, we may reduce your dividend and APY on your Elite Choice Money Market Savings.

HSA Accounts

HSA Checking¹

2.960%

3.00%

No Minimum

¹Must Have High Deductible Health Plan With Employer