A.P.Y.*
Shares	0.50%
Shares (Youth Clubs)	0.50%
Share Draft Accounts**	0.15%
IRA Accounts	0.50%
Holiday Clubs	0.50%
Vacation Clubs	0.50%

Money Market Shares                                                                                           (Minimum opening deposit of $2500.00 & minimum to earn dividends is $2500.00.)

	A.P.Y.*
Balances $2,500.00 to $9,999.99	1.66%
Balances $10,000.00 to $24,999.99	1.92%
Balances over $25,000.00	2.17%

PLATINUM Certificate Rates ***
(Share Certificate - Minimum opening deposit of $50,000.00 & no minimum required to earn dividends.)

	A.P.Y.*
6 months	2.63%
1 year	2.89%
2 years	3.14%
3 years	3.40%
5 years	3.66%

Certificate Rates ***
(Share Certificate - Minimum opening deposit of $500.00 & no minimum required to earn dividends.)

	A.P.Y.*
6 months	2.04%
1 year	2.29%
2 years	2.55%
3 years	2.80%
5 years	3.06%

Certificate Rates (Dollar Dog Youth Club) ***
(Share Certificate - Minimum opening deposit of $200.00 & no minimum required to earn dividends.)

	A.P.Y.*
6 months	2.04%
1 year	2.29%

Certificate Rates (CU Succeed Youth Club) ***
(Share Certificate - Minimum opening deposit of $350.00 & no minimum required to earn dividends.)

	A.P.Y.*
1 year	2.29%
1.5 years	2.43%

PLATINUM IRA Certificate***
(Minimum opening deposit is $50,000.00 for IRA Share Certificates & no minimum required to earn dividends.)

	A.P.Y.*
1 year	2.89%
2.5 years	3.28%
5 years	3.66%

IRA Certificate***
(Minimum opening deposit is $1000.00 for IRA Share Certificates & no minimum required to earn dividends.)

	A.P.Y.*
1 year	2.29%
2.5 years	2.68%
5 years	3.06%

*Annual Percentage Yield

** Minimum opening deposit of $25.00 & minimum to earn dividends is $100.00.

***A penalty will or may be imposed for early withdrawal