Current Share Rates      

Savings Rates
As of July 3, 2009
(Rates are subject to change without notice)
Type Annual Percentage Yield Minimum Balance
to Open Account 		 Minimum Balance
to Earn Dividends
Share Savings
  $0.00 - 99.99
  $100.00 - $2,499.99
  $2,500.00 - $9,999.99
  $10,000.00 - $24,999.99
  $25,000.00 - $49,999.99
  $50,000.00 - $99,999.99
  $100,000.00 and Greater
0.00%
0.25%
0.25%
0.50%
0.50%
0.50%
0.50%
$25
 
 
 
 
 
 
$100
 
 
 
 
 
 
Basic Checking 0.00% $0  Does not earn interest
Checking Plus* 0.25% $0  $1000 
Heritage Checking 0.25% $0  $1000 
Vacation Club 0.50% $0  $0 
Christmas Club 0.50% $0  $0 
*Fees could reduce earnings on the account.

Money Market Rates
As of July 3, 2009
(Rates are subject to change without notice)
Type Annual Percentage Yield Minimum Balance
to Open Account 		 Minimum Balance
to Earn Dividends
  $100.00 - $2,499.99
  $2,500.00 - $9,999.99
  $10,000.00 - $24,999.99
  $25,000.00 - $49,999.99
  $50,000.00 - $999,999.99
  $100,000.00 +
0.25%
1.50%
1.75%
2.00%
2.10%
2.25%
$2,500
 
 
 
 
 
$100
 
 
 
 
 

Term Share Certificate†
As of July 3, 2009
(Rates are subject to change without notice. Early withdrawal penalties will or may apply, as applicable.
Please contact the Credit Union for further information on applicable fees and terms.)
Type Annual Percentage Yield Minimum Balance to Open Account 
91-Day 1.75% $500
182-day 2.00% $500
One Year 2.50% $500
18-month 2.60% $500
Two Year 2.65% $500
Three Year 2.80% $500
Four Year 3.00% $500
Five Year 3.15% $500
†91-day and 182-day certificate rates are based on simple dividend calculation.
All other certificates are compounded quarterly

IRA Share Accountˆ
As of July 3, 2009
(Rates are subject to change without notice. Early withdrawal penalties will or may apply, as applicable.
Please contact the Credit Union for further information on applicable fees and terms.)
Type Annual Percentage Yield Minimum Balance to Open Account 
IRA Share 2.11% $0
ˆDividends are compounded quarterly.

IRA Certificates‡
As of July 3, 2009
(Rates are subject to change without notice. Early withdrawal penalties will or may apply, as applicable.
Please contact the Credit Union for further information on applicable fees and terms.)
Type Annual Percentage Yield Minimum Balance to Open Account 
One Year 2.50% $500
Two Year 2.65% $500
Three Year 2.80% $500
Four Year 3.00% $500
Five Year 3.15% $500
‡Dividends are compounded quarterly.