SAVINGS RATES

(Rates effective as of October 7, 2008)

Share Type	Dividend Rate	APY*
Primary Savings (less then $25,000) -Minimum deposit to open and maintain membership is $10.00. A minimum average daily balance of $50.00 must be maintained in the account to obtain the disclosed APY.	1.15%	1.16%
Primary Savings (more than $25,000) - Minimum deposit to open and maintain membership is $10.00. A minimum average daily balance of $50.00 must be maintained in the account to obtain the disclosed APY.	1.35%	1.36%
Sub-Shares - There is no minimum deposit requirement to open this account. No minimum average daily balance must be maintained in the account to obtain the disclosed APY. Features the same rate as a Primary Savings Account.	1.15%	1.16%
Holiday Club - There is no minimum deposit requirement to open this account. No minimum average daily balance must be maintained in the account to obtain the disclosed APY. Automatic pay-out of funds occur on the first of November. Features the same rate as a Primary Savings Account.	1.15%	1.16%
Scotty Savers - Minimum deposit to open and maintain membership is $5.00. A minimum average daily balance of $5.00 must be maintained in the account to obtain the disclosed APY. Must be under 18 to open.	1.15%	1.16%
IRA Shares - Minimum deposit to open and maintain account is $100.00. A minimum average daily balance of $100.00 must be maintained in the account to obtain the disclosed APY.	2.25%	2.28%
Share Draft/Checking - Minimum deposit to open is $50.00. There is no minimum average daily balance requirement to obtain the disclosed APY.	0.35%	0.35%

*APY=Annual Percentage Yield.

TERM SHARE AND IRA CERTIFICATES 

(Rate effective as of August 20, 2008)

(IRA certificates available for 24 month and 36 month terms only)

INTRODUCING....NEW 6 MONTH CERTIFICATE!

Term	$1,000 - $24,999 DividendRate/APY*	$25,000+ Dividend Rate/APY*
6 Months	2.911%/2.950%	3.008%/3.050%

*APY=Annual Percentage Yield.

For all savings, club, IRA savings, and interest checking accounts, the prospective Dividend Rate and prospective APY are set forth above.  For all such accounts, dividends are paid from current and available savings, after required transfers to reserves at the end of a dividend period.

The Dividend Rate and APY on all accounts may change every month, as determined by the Credit Union's Board of Directors.  Fees for other conditions could reduce earnings on any of the listed accounts.  Please refer to Schedule of Fees and Charges.  All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure.  Rates and programs are subject to change without notice.

*APY=Annual Percentage Yield.  For all savings, IRA savings, and interest checking accounts, the prospective Dividend Rate and prospective APY are set forth above.  For all such accounts, dividends are paid from the current and available earnings, after required transfers to reserves at the end of a dividend period.  The Dividend Rate and APY on all such accounts may change every month, as determined by the Credit Union's Board of Directors.

**The Dividend Rate and APY for each Term Share (Certificate and IRA Certificate) Account is set forth above.  For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven calendar days and were accurate as of the date set forth above.  Please call 800.369.7672 to obtain current rate information.  If a Term Share (Certificate) Account was opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account.  For such accounts, a substantial penalty may be imposed for early withdrawal.  Fees for other conditions could reduce earnings on any of the listed accounts.  Please refer to Schedule of Fees and Charges.  All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure.  Rates and programs are subject to change without notice.

PERSONAL LOANS

(Rate effective as of August 20, 2008)

Loan Type	Loan Amount	Term	APR**
Signature	Up to $15,000	Up to 5 Years	11.95%
Special Debt Consolidation	Up to $30,000	Up to 6 Years	10.95%
VISA Classic (No Annual Fee)	Up to $10,000	Revolving	12.00%
Computer (Invoice Required)	Up to $5,000	Up to 3 Years	8.50%
Taxes	Up to $10,000	Up to 3 Years	9.45%
Share Secured	N/A	Up to 5 Years	Share Rate + 2.00%

**APR=Annual Percentage Rate.

Ask about our Relationship Pricing (Direct Deposit + Checking Account). You can save 0.50% off our current low loan rates with Relationship Pricing (excludes First Trust Deed Mortgages and VISA Loans). 

NEW AND USED AUTO LOAN RATES

(Rate effective as of August 20, 2008)

Loan Type	MAX Amount Financed	MAX Years to Repay	Loan Amount	Monthly Payment per $1,000 Borrowed	Discounted Monthly Payment per $1,000 Borrowed	APR**	Discounted APR as low as
New Auto	90% Financing	4 Years	$2,500	$23.15	$22.92	5.25%	4.75%
New Auto	90% Financing	5 Years	$5,000	$19.32	$19.08	5.95%	5.45%
New Auto	90% Financing	6 Years	$10,000	$16.79	$16.56	6.45%	5.95%
New Auto	90% Financing	7 Years	$17,000	$15.08	$14.83	6.95%	6.45%
New Auto	100% Financing	4 Years	$2,500	$23.61	$23.38	6.25%	5.75%
New Auto	100% Financing	5 Years	$5,000	$19.93	$19.69	7.25%	6.75%
New Auto	100% Financing	6 Years	$10,000	$17.47	$17.22	7.85%	7.35%
New Auto	100% Financing	7 Years	$17,000	$15.77	$15.52	8.35%	7.85%
Used Auto	90% Financing	Up to 6 Years	$17,000	$17.18	$16.94	7.25%	6.75%
Used Auto	100% Financing	Up to 6 Years	$17,000	$17.79	$17.54	8.50%	8.00%
New RV/Motorhome	80% Financing	Up to 12 Years	$25,000+	$10.97	$10.69	8.25%	7.75%
Used RV/Motorhome	80% Financing	Up to 10 Years	$25,000+	$12.65	$12.38	8.95%	8.45%

**APR=Annual Percentage Rate.

Ask about our Relationship Pricing (Direct Deposit + Checking Account). You can save 0.50% off our current low loan rates with Relationship Pricing (excludes First Trust Deed Mortgages and VISA Loans). 

REAL ESTATE LOANS

 Please call the Credit Union to obtain current Real Estate rate information.

Ask about our Relationship Pricing (Direct Deposit + Checking Account). You can save 0.50% off our current low loan rates with Relationship Pricing (excludes First Trust Deed Mortgages and VISA Loans). 

The Dividend Rate and APY on all accounts may change every month, as determined by the Credit Union's Board of Directors. Fees for other conditions could reduce earnings on any of the listed accounts. All accounts are subject to the terms and conditions set forth in the Credit Union's Account Agreement and Truth-in-Savings disclosure. Rates and programs are subject to change without notice.

The Dividend Rate and APY for each Term Share (Certificate and IRA Certificate) Account is set forth above. For purposes of this disclosure, such Dividend Rates and APYs were offered within the most recent seven calendar days and were accurate as of the date set forth above. Please call 800.369.7672 or the branch nearest you to obtain current rate information.