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Money Market Shares Effective: January 1, 2010 ACCOUNT TYPE MINIMUM BALANCE TO OPEN ACCOUNT MINIMUM BALANCE TO OBTAIN APY* DIVIDEND RATE* ANNUAL PERCENTAGE YIELD 0.00 $2,500.00 .75% .75% 0.00 $10,000.00 .95% .95%   0.00 $25,000.00 1.00% 1.00% 0.00 $50,000.00 1.50% 1.51% 0.00 $100,000.00 2.00% 2.02%

IRA Certificates Effective: January 1, 2010 ACCOUNT TYPE MINIMUM BALANCE TO OPEN ACCOUNT MINIMUM BALANCE TO OBTAIN APY* DIVIDEND RATE* ANNUAL PERCENTAGE YIELD 395 DAY $500.00 $500.00 1.25% 1.26% 60 MONTH $500.00 $500.00 2.75% 2.78% IRA Share $500.00 $500.00 1.00% 1.00%

*The dividend rate and APY may change at any time as determined by the Credit Union board of directors.

Annual percentage yield assumes dividends remains on deposit. Withdrawals of dividend will reduce earnings.

Dividends will be compounded monthly and will be credited monthly.

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account for the period. Dividends will begin to accrue on the business day you deposit items to your account.

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Current Loan Rates Effective: January 1, 2010 LOAN TYPE APR * TERM 2008-2009 AUTOS As low as 4.99% ** 2006-2007 AUTOS As low as 5.50% ** 2003-2005 AUTOS As low as 6.00% **   PURCHASE MORTGAGE As low as 4.50% ** HOME EQUITY As low as 4.50% **   NEW MOTORCYCLE/ATV As low as 4.99% ** USED MOTORCYCLE/ATV As low as 4.99% **   NEW BOAT As low as 4.99% ** USED BOAT As low as 4.99% **   NEW LAWN & GARDEN As low as 4.99% ** USED LAWN & GARDEN As low as 4.99% **   NEW RECREATIONAL VEH. As low as 4.99% ** USED RECREATIONAL VEH. As low as 4.99% **   NEW MOBILE HOME As low as 4.99% ** USED MOBILE HOME As low as 4.99% **   PERSONAL As low as 8.95% ** SHARE SECURED 3.75% **   VISA PLATINUM As low as 8.99% **   CERTIFICATE SECURED CERTIFICATE RATE + 2% CD MUST MATCH LOAN TERM.

* APR is the Annual Percentage Rate.

** CALL OUR OFFICE FOR TERMS

†RATES ARE DETERMINED BY YOUR FAIR ISAAC CREDIT SCORE AND MAY NOT BE AS LOW AS THE RATES GIVEN. ABOVE RATES MAY ALSO INCLUDE A DISCOUNT FOR PAYROLL DEDUCTION OR AUTOMATIC TRANSFER.

LOAN RATES MAY CHANGE AT ANY TIME AS DETERMINED BY THE CREDIT UNION BOARD OF DIRECTORS.