DIVIDEND RATE SHEET  (Effective:  November 19, 2008)  TYPE DIVIDEND RATE ANNUAL PERCENTAGE YIELD MINIMUM DEPOSIT DIVIDENDS COMPOUNDED  AND PAID CALCULATE 182 Day Certificate** 2.29 2.31 $5,000 At Maturity 12 Month Certificate** 2.70 2.73 $1,000 Quarterly 18 Month Certificate** 2.73 2.76 $1,000 Quarterly 24 Month Certificate** 3.25 3.29 $1,000 Quarterly Jumbo 182 Day Money Market** 2.49 2.52 $50,000 Monthly IRA*+ 1.75 1.76 $500 Quarterly Regular share Savings and Christmas Club*+ 0.75 0.75 $25 Quarterly on average daily balance of $100 or more Checking*+ 0.25 0.25 $30 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.