Rates as of April 1, 2013

Current Account Rates

Account Name	Minimum Account Balance	Annual Percentage Yield
Basic Shares	$25 minimum - $100 to earn	.15% APY
Misc. Shares	no minimum - $100 minimum to earn	.10% APY
Share Draft	no minimum	.10% APY
Youth Shares Ages 0-8: Kirby Ages 9-13: Junior Explorer Ages 14-18: Future Horizon	$5 minimum	.30% APY
*Holiday Club	no minimum	.40% APY
*IRA Traditional Roth Educational	no minimum	.60% APY
*Share Certificates - 6-11 months	$500-$4,999 $5,000-$24,999 $25,000+	.30% APY .35% APY .35% APY
*Share Certificates - 1 year	$500-$4,999 $5,000-$24,999 $25,000+	.40% APY .50% APY .60% APY
*Share Certificates - 2 year	$500-$4,999 $5,000-$24,999 $25,000+	.70% APY .80% APY .90% APY
*Money Market	$2,500-$24,999 $25,000-$49,999 $50,000+	.20% APY .25% APY .30% APY

*All Share APY's (Annual Percentage Yield) are current as of 04/01/2013 and are subject to change. Fees could reduce earnings on these accounts and the credit union may impose an early withdrawal penalty. Call for current rates. Federally insured by the NCUA.