Term Certificates

30 Days Thru 179 Days
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	0.75%	0.75%
$1,000 Up To $10,000	0.65%	0.65%
$500 Up To $1,000	0.25%	0.25%

180 Days Thru 365
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	0.85%	0.85%
$1,000 Up To $10,000	0.75%	0.75%
$500 Up To $1,000	0.35%	0.35%

366 Days Less Than 18 Months
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	1.24%	1.25%
$1,000 Up To $10,000	1.14%	1.15%
$500 Up To $1,000	0.75%	0.75%

18 Months Less Than 2 Years
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	1.24%	1.25%
$1,000 Up To $10,000	1.14%	1.15%
$500 Up To $1,000	0.75%	0.75%

2 Years Less Than 3 Years
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	1.49%	1.50%
$1,000 Up To $10,000	1.39%	1.40%
$500 Up To $1,000	0.90%	0.90%

3 Years Less Than 4 Years
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	1.74%	1.75%
$1,000 Up To $10,000	1.64%	1.65%
$500 Up To $1,000	1.14%	1.15%

4 years Less Than 5 Years
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	2.33%	2.35%
$1,000 Up To $10,000	2.23%	2.25%
$500 Up To $1,000	1.74%	1.75%

5 Years Up To 6 years
Description	Dividend Rate	Annual Percentage Yield
$10,000 & Over	2.81%	2.85%
$1,000 Up To $10,000	2.72%	2.75%
$500 Up To $1,000	2.23%	2.25%

Rates as of July 1, 2009. All rates are subject to change as a result of Board of Directors' action.

Early withdrawal penalties may apply.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.