Savings Rates: as of September 30, 2007

Share Savings

Type	Dividend Rate*
Regular Savings	1.00% - APR*

*Dividend Rate - Dividends are declared and paid quarterly by the Board of Directors on the last day of the quarter. The dividends are calculated based upon the average daily share balance method.

*APR = Annual Percentage Rate

Rates are variable and may change after accounts are opened.

$50.00 Minimum required to earn interest on regular savings.

Your savings are insured up to $100,000 by the National Credit Union Administration (NCUA)

Share Certificates

Duration	Type	Minimum Deposit	Dividend Rate	APY*
6 months	Regular	$1000	1.25%	1.26%
12 months	Regular	$1000	1.50%	1.51%
18 months	Regular	$1000	1.75%	1.75%

Rates effective January 30, 2008 - Rates may change, call for current rates

*APY = Annual Percentage Yield

Dividends paid at maturity

Substantial penalty for early withdrawal

Fees may reduce earnings

Your savings are insured up to $100,000 by the National Credit Union Administration (NCUA)

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency