Certificate Account *
TermMinimum**APR**APY
12 months$1,000.002.50%2.52%
24 months$1,000.003.00%3.03%
36 months$1,000.003.25%3.29%
48 months$1,000.004.20%4.27%

* --Dividends are paid quarterly on the anniversary date
  --Penalty for early withdrawal of any or all the deposit is subject to 90 day loss   of dividend whether earned or not, plus a $25.00 fee.
  --Rates are subject to change weekly

**TIERED RATE
Add to the above if minimum is:

$1,000 - 30,000        Printed Rate
$30,001 - 50,000      add 0.05%
$50,001 - 75,000      add 0.10%
$75,001 - over          add 0.15%

Bumper Certificate Account ***
TermMinimum**APR**APY
24 Month$1,000.002.90%2.93%
36 Month$1,000.003.15%3.19%
48 Month$1,000.004.00%4.06%

*** --Dividends are paid quarterly on the anniversary date
      --Penalty for early withdrawal of any or all the deposit is subject to 120 day loss of dividend whether earned or not, plus a $50.00 fee.
      --Rates are subject to change weekly
      --Number of bumps determined by term (Call Credit Union for more details)