DIVIDEND RATE SHEET  (Effective:  February 1, 2012)  TYPE DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM DEPOSIT TO OPEN DIVIDENDS COMPOUNDED  AND PAID CALCULATE 182 Day Certificate** 0.25 0.25 $5,000 At Maturity 12 Month Certificate** 0.43 0.43 $1,000 Quarterly 18 Month Certificate** 0.49 0.49 $1,000 Quarterly 24 Month Certificate** 0.68 0.68 $1,000 Quarterly Jumbo 182 Day Money Market** 0.45 0.45 $50,000 Monthly IRA*+ 1.00 1.00 $500 Quarterly Regular share Savings *+ 0.25 0.25 $1 Quarterly on average daily balance of $100 or more Christmas Club*+ 0.25 0.25 $25 Quarterly on average daily balance of $100 or more Checking*+ 0.15 0.15 $24 Quarterly on average daily balance of $500 or more*** *As of last Quarter **Penalty will be imposed for early withdrawal. ***Fees could reduce the earnings on this account. +The dividend rate and APY may change every quarter, as determined by the credit union's Board of Directors.