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> >Great Guaranteed Returns

Great Returns

APY*	Term	Minimum Deposit
5.10%	5 & 7 year ¹ Share, IRA or ESA (Education Savings Account) Certificate	$20,000	Apply
4.95%	5 & 7 year ¹ Share, IRA or ESA (Education Savings Account) Certificate	$1,000	Apply
4.25%	1 year ² EasyStart^SM Certificate	$100 ($10,000 max)	Apply
4.00%	6 month ³ (26 weeks) Money Market Certificate	$10,000	Apply

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*Annual Percentage Yield.

¹ This offer is effective October 10, 2008, and subject to change.

²This offer is effective September 29, 2008, and subject to change. Only one Special EasyStart Certificate per member is allowed. For members age 18 years or older, a checking account and minimum direct deposit must be established within 90 days from the date of certificate purchase or the APY will revert to 3.10% (dividend rate of 3.05%); in addition, a $15 minimum monthly deposit is required.

³ This offer is effective October 17, 2008, and subject to change. Unless member specifies otherwise, at maturity, the 6-month-term certificate will automatically renew to a 26-week Money Market Certificate at the prevailing rate.

Penalty for early withdrawal from certificates. This credit union is federally insured by the National Credit Union Administration.