11/1/03
Type of Account Minimum
Term		 Minimum Deposit Minimum Balance Minimum Additional Deposits Dividend Rate APY Dividends on Balances of:
Regular Share Primary Membership Account Required To Join. None $5.00 $5.00 None
0
 
.25%
 
0
 
.25%
 
Less than
 $100.00
Over $100.00
 
Holiday Share None None None None
0
 
.25%
 
0
 
.25%
 
Less than 
$100.00
Over $100.00
 
Share Draft None None None None 0 0 All Balances
Money Management None None None None
0
 
.40%
 
.60%
 
.75%
 
.90%
 
1.50%
 
0
 
.40%
 
.60%
 
.75%
 
.90%
 
1.51%
 
Less than
$1,000.00
$1,000.00 -
$10,000.00
$10,000.01 -
$25,000.00
$25,000.01 -
50,000.00
$50,000.01 -
$100,000.00
Over 
$100,000.00
Silver Share Certificates (3,4,5)
 3 Months
 6 Months
 12 Months
 24 Months
 36 Months
 36 Months
 36 Months
 $500.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$50,000.00
$100,000.00
 $500.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$50,000.00
$100,000.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
.75%
1.00%
1.25%
1.50%
1.75%
2.50%
3.00%
.75%
1.00%
1.26%
1.51%
1.76%
2.52%
3.03%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Traditional/Roth IRA/Fixed Rate Certificates (3)
12 Months
24 Months
36 Months
36 Months
$500.00
$500.00
$50,000.00
$100,000.00
$500.00
$500.00
$50,000.00
$100,000.00
$25.00
$25.00
$25.00
$25.00
1.25%
1.75%
2.50%
3.00%
1.26%
1.76%
2.52%
3.03%
N/A
N/A
N/A
N/A
Coverdell Education Savings Account Fixed Rate Certificates IRA Fixed Rate Certificates(3)
12 Months
24 Months
$500.00
$500.00
$500.00
$500.00
$25.00
$25.00
1.25%
1.75%
1.26%
1.76%
N/A
N/A
Traditional/Roth
IRA Variable Rate Account		 None None None None
1.00%
 
1.30%
 
1.00%
 
1.31%
 
Less than
$3,500.00
$3,500.00
and Over
Important Information

1)   Availability, terms, minimums subject to change at the discretion of the Board of Directors.
2)   Dividends calculated on a daily basis on all accounts and are paid quarterly except for Money Management Accounts.
3)   Substantial penalties apply for early withdrawal of IRA and Certificate funds. 36 Month Traditional/Roth IRA certificates are non-renewable with the blance transferred to an IRA savings account upon maturity, unless we are instruted otherwise.
4)   Effective June 1, 2003 the Variable Rate Index and Step-Up Certificates were discontinued. If you purchased a 30 Month Step-Up Certificate or a 48 Month Step-Up Certificate, refer to the 36 Month Silver Share Certificate for rate increase opportunities. 
5)   36 & 48 Month Silver Share Certificate are non-renewable with the balance transferred to your Main Shares upon maturity, unless we are instructed otherwise.

N/A= Not Applicable

Your savings are federally insured to $100.000 by the National Credit Union Administration (NCUA), a U.S. government agency. An additional $250.000 in fund insurance is provided through Excess Share Insurance (ESI).