Certificates

If you are looking for a higher dividend rate on your savings, then consider investing in Pioneer Federal's Term Certificate. We offer a variety of rates and terms. You may choose the one that best fits your financial needs. Term Certificates are a great investment vehicle if you want long term savings with stable, secure results. The sooner you start savings, the sooner you reach your financial goals.

Compounding & Crediting:	Monthly
Dividend Period:	Monthly
Daily Balance Computation Method	Applies a daily periodic rate to the daily balance each day.
Accrual of Dividends on noncash items:	Same Day
Minimum Balance Requirements:	Consult a Member Service Representative.

30 Days Thru 179 Days
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	1.69%	1.70%
$1,000 Up To $10,000	1.59%	1.60%
$500 Up To $1,000	1.39%	1.40%

180 Days Thru 365 Days
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	2.47%	2.50%
$1,000 Up To $10,000	2.37%	2.40%
$500 Up To $1,000	1.88%	1.90%

366 Days Less Than 18 Months
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	2.72%	2.75%
$1,000 Up To $10,000	2.62%	2.65%
$500 Up To $1,000	2.13%	2.15%

18 Months Less Than 2 Years
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	2.72%	2.75%
$1,000 Up To $10,000	2.62%	2.65%
$500 Up To $1,000	2.13%	2.15%

2 Years Less Than 3 Years
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	3.06%	3.10%
$1,000 Up To $10,000	2.96%	3.00%
$500 Up To $1,000	2.47%	2.50%

3 Years Less Than 4 Years
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	3.15%	3.20%
$1,000 Up To $10,000	3.06%	3.10%
$500 Up To $1,000	2.57%	2.60%

4 years Less Than 5 Years
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	3.25%	3.30%
$1,000 Up To $10,000	3.15%	3.20%
$500 Up To $1,000	2.67%	2.70%

5 Years Up To 6 years
Description	Stated Rate	Annual Percentage Yield
$10,000 & Over	3.69%	3.75%
$1,000 Up To $10,000	3.59%	3.65%
$500 Up To $1,000	3.11%	3.15%

Rates As Of April 25, 2008
All rates are subject to change as a result of Board of Directors' action.

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.