Rates current as of January 1, 2012

Regular Shares, Special Shares, Vacation and Holiday Club

Minimum Balance APR APY $50.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Share Draft Accounts

Minimum Balance APR APY $0.00 0.00% 0.00%

Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

Vacation and Holiday Club Accounts

Minimum Balance APR APY $50.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

NOTE: Six free withdrawals per year to go on vacation or celebrate any holiday throughout the year.

Matty's Money Club and Coogan Accounts

Minimum Balance APR APY $5.00 0.03% 0.03%

Money Market and Corporate Accounts

Minimum Balance APR APY $3,000.00 0.00% 0.00% $25,000.00 0.05% 0.05% $50,000.00 0.10% 0.10%

Individual Retirement Accounts (Traditional and Roth)

Minimum Balance APR APY $50.00 0.00% 0.00% $1,000.00 0.00% 0.00% $5,000.00 0.03% 0.03% $50,000.00 0.06% 0.06%

Term Share Certificate Accounts

Minimum Balance $1,000.00 APR APY 6 Months 0.10% 0.10% 12 Months 0.10% 0.10% 18 Months 0.10% 0.10% 24 Months 0.10% 0.10% 36 Months 0.10% 0.10%

Minimum Balance $50,000.00 APR APY 6 Months 0.25% 0.25% 12 Months 0.25% 0.25% 18 Months 0.25% 0.25% 24 Months 0.25% 0.25% 36 Months 0.25% 0.25%

Share Certificate Member Loyalty Rate Rewards Add to APR Consumer Loan with >$5,000 balance 0.05% E-Statement 0.00% Checking Account 0.00% Payroll Deduction or Direct Deposit 0.00% Cumulative Savings, IRA and Checking Accounts Average Balance => $10,000 0.00%

NOTE: Maximum rate rewards = 0.25%. Accounts must be active and established at least 90 days prior to certificate opening.

Disclosures
All rates are subject to change without prior notice. All rates are based on account balance and terms. Accounts are insured for at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. See "Your Insured Funds" booklet by the NCUA for additional coverage for multiple accounts. NCUA insruance coverage up to $1.2-Million. Regular Shares, Special Shares, Holiday Club, Vacation Club, Matty Club, Money Market, and IRA are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. A substantial penalty will or may be imposed for early withdrawal on Term Share Certificates with a minimum of $100.00. APR = Annual Percentage Rate. APY = Annual Percentage Yield.