Savings Rates - Declared for the second quarter of 2013

ACCOUNT	RATE	APY
Share Savings	.25%	.25%
Checking	.10%	.10%
Christmas Club	.25%	.25%
Kirby Kangaroo	.25%	.25%
IRA Share (ROTH, Traditional & Education)	1.00%	1.00%
6-month Certificate	0.30%	0.30%
1-year Certificate	0.45%	0.45%
18-month Certificate	0.55%	0.55%
2-year Certificate	0.75%	0.75%
30-month Certificate	0.95%	0.95%
36-month Certificate	1.10%	1.10%
4-year Certificate	1.19%	1.20%

Share savings, club accounts, and IRA share savings rates are declared by the Board of Directors for the second quarter of 2013.  Certificate rates are subject to change weekly.  Minimum to open a share certificate is $500 and early withdrawal penalties may apply.  See a credit union employee for additional fees and terms that may apply.