Savings
Rates
Declared for the fourth quarter of 2008.
| ACCOUNT | RATE | APY |
| Share Savings Account | 1.00% | 1.00% |
| Checking Account | 0.50% | 0.50% |
| Christmas Club Account | 1.00% | 1.00% |
| Kirby Kangaroo Account | 1.00% | 1.00% |
| IRA Share (ROTH, Traditional & Education) |
2.00% | 2.02% |
| 6
Month Share Certificate (and IRA Certificates) |
2.28% | 2.30% |
| 1
Year Share Certificate (and IRA Certificates) |
2.72% | 2.75% |
| 18
Month Share Certificate (and IRA Certificates) |
2.97% | 3.00% |
| 2
Year Share Certificate (and IRA Certificates) |
3.21% |
3.25% |
| 30 Month Share Certificate (and IRA Certificates) |
2.77% | 2.80% |
| 36 Month Share Certificate (and IRA Certificates) |
2.92% | 2.95% |
| 4 Year Share Certificate (and IRA Certificates) |
2.97% | 3.00% |
Share savings, club accounts and IRA share savings rates are declared by the Board of Directors for the fourth quarter of 2008. 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.