Deposit Rates as of  November 5, 2009

Savings Rates 

Dividend Rate

APY*

Term

Minimum Opening Balance

Minimum Balance for APY*

Regular Savings

0.240

0.250

N/A

$25.00

$10.00

Youth Savings

0.240

0.250

N/A

$25.00

$25.00

All Purpose Club

0.240

0.250

N/A

$5.00

$10.00

Christmas Club

0.240

0.250

N/A

$5.00

$10.00

Money Market

0.490

0.500

N/A

$500.00

$10.00

IRA Money Market

0.490 0.500  N/A $10.00 $10.00

Premium Money Market $1,000 - $24,999.99

0.490

0.500

N/A

$1000

$1000

Premium Money Market $25,000 - $74,999.99

0.740

0.750

N/A

$1000

$1000

Premium Money Market $75,000 - $99,999.99

0.980

1.000

N/A

$1000

$1000

Premium Money Market $100,000 - $149,999.99

1.230

1.250

N/A

$1000

$1000

Premium Money Market $150,000 + above

1.470

1.500

N/A

$1000

$1000

Cost Less NOW Account 

0.250

0.280

N/A

$25.00

$10.00

NOW Account

0.250

0.280

N/A

$25.00

$10.00

Organization NOW Account

0.250

0.280

N/A

$25.00

$10.00

*APY=Annual Percentage Yield
Rates are subject to change after opening the Variable Rate Accounts. Fees and certain conditions could reduce earnings. Contact a
Credit Union employee for more details. All accounts federally insured by NCUA. Additional insurance is provided by MSIC.

Deposit Rates as of November 5, 2009
Certificate Rates Dividend Rate APY* Term Minimum Opening Balance Minimum Balance for APY*

 3 Month Term Share 

0.740

0.750

3

$500.00

$500.00

 6 Month Term Share 

1.370

1.400

6

$500.00

$500.00

 5 Month Term Share SPECIAL ** 1.570 1.600  5 $500.00 $500.00 

12 Month Term Share 

1.470

1.500

12

$500.00

$500.00

18 Month Term Share

1.710

1.750

 18

$500.00

$500.00

24 - 47 Flex Month Term Share 

1.860

1.900

24/47

$500.00

$500.00

36 & 42 Month Term Share  2.190

2.250

36

$500.00

$500.00

48 - 72 Flex Month Term Share 

2.680

2.750

48/72

$500.00

$500.00

72 - 96 Month Term Share 

2.920

3.000

72/96

$500.00

$500.00

12 Month Term Share IRA

1.470

1.500

12

$250.00

$250.00

18 Month Term Share IRA

1.710

1.750

18

$250.00

$250.00

24 - 47 Month Term Share/IRA

1.860

1.900

24/47

$250.00

$250.00

42 Month Term Share/IRA

2.190

2.250

42 $250.00  $250.00

48 - 72 Month Term Share/IRA

2.680

2.750

48/72

$250.00

$250.00

72-96 Month Term Share/IRA

2.920

3.000

72/96

$250.00

$250.00

 

*APY=Annual Percentage Yield     **5 Month Term Share rolls into a 6 Month Term Share at Maturity
Penalty for early withdrawal on Term Share Accounts. Rates are subject to change after opening for Variable Rate Accounts. Fees
and certain conditions could reduce earnings. Contact a Credit Union employee for more details. All accounts federally insured by
NCUA. Additional insurance is provided by MSIC.