Savings Rates Effective November 1, 2008

Money Market Advantage Account*

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$2,000.00 - $24,999.99	1.25% APY
$25,000.00 - $49,999.99	1.50% APY
$50,000.00 and over	1.70% APY

            

Regular Shares*

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$0 - $999.99	.40% APY
$1,000.00 - $9,999.99	.75% APY
$10,000.00 - $24,999.99	.90% APY
$25,000.00 - $49,999.99	.95% APY
$50,000.00 and over	1.00% APY

     

Checking Accounts*

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Basic Checking Account	.00%
Select Checking Account      $1,500.00 and over	.40% APY
Royal Checking Account      $7,500.00 and over	.75% APY

IRA Account*

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Traditional and Roth

.90% APY

Christmas Club Account*

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.75% APY

* Dividends are compounded and posted monthly

Rates are current as of November 1, 2008 and are subject to change without notice. Fees may reduce earnings on share accounts. Your savings are insured up to $250,000.00 by the National Credit Union Administration, an agency of the U.S. Government.

APY = Annual Percentage Yield