Rates

Deposit Rates

Savings Rates

Account Type	Min. Balance	Dividend Rate	APY *
Regular Savings	$100	.40%	.40%
Kids Savings	$25	.40%	.40%
Holiday Club	$25	.40%	.40%
Health Savings Account		1.98%	2.00%
APY * = Annual Percentage Yield  Return to top

Money Market Rates

Account Type	Min. Balance	Dividend Rate	APY *	Notes
Members Choice Money Market (1)	$75,000	1.34%	1.35%	With Active Checking
	$75,000	.85%	.85%	Without Active Checking
Ultimate Money Market (2)	$15,000	1.045%	1.05%
Affordable Money Market (3)	$7,500	.65%	.65%
First Choice Money Market Savings	$10,000	.65%	.65%
(1) Balances falling below $75,000 earn a rate and APY of 0.40%, and incur a $25 monthly service charge. (2) Balances falling below $15,000 earn a rate and APY of 0.40%, and incur a $15 monthly service charge. (3) Balances falling below $7,500 earn a rate and APYof 0.40%, and incur a $15 monthly service charge. (4) Minimum combined loan and/or deposit balance required to open and maintain account. APY * = Annual Percentage Yield  Return to top

Checking Rates

Account Type	Min. Balance	Dividend Rate	APY *
Member's Choice (4)	All Balances	.40%	.40%
Direct Benefit & Regular Checking	$5,000	.25%	.25%
	$500 - $4,999.99	.05%	.05%
Free Checking	$0	0.00%	0.00%
APY * = Annual Percentage Yield  Return to top

Corporate Checking

Account Type	Min. Balance	Dividend Rate	APY *
Tier 1	$2,500	.15%	.15%
Tier 2	$25,000	.40%	.40%
Tier 3	$50,000	.50%	.50%
APY * = Annual Percentage Yield  Return to top

Certificates

Account Type	Min. Balance	Dividend Rate	APY *
15 Month Certificate Special	$5,000	1.74%	1.75%
90 Days	$2,500	.89%	.90%
6 Month	$2,500	1.24%	1.25%
1 Year	$1,000	1.49%	1.50%
18 Months	$1,000	1.74%	1.75%
2 Year	$1,000	1.83%	1.85%
3 Year	$1,000	1.98%	2.00%
5 Year	$1,000	2.23%	2.25%
APY * = Annual Percentage Yield  Return to top

IRA (Traditional, Roth or Coverdell Education Savings Account)

Account Type	Min. Balance	Dividend Rate	APY *
15 Month IRA Certificate Special	$4,000	1.74%	1.75%
1 Year	$1,000	1.49%	1.50%
18 Month	$1,000	1.74%	1.75%
2 Year	$1,000	1.84%	1.85%
3 Year	$1,000	1.99%	2.00%
5 Year	$1,000	2.23%	2.25%
Accumulator IRA (Traditional & Roth Only)	None	.65%	.65%
Coverdell Education Savings Account	None	.65%	.65%
Members Choice Money Market(1)(With Active Checking)	$75,000	1.34%	1.35%
Member's Choice Money Market(1) (Without Checking Account)	$75,000	.85%	.85%
Ultimate IRA Money Market (2)	$15,000	1.045%	1.05%
Affordable IRA Money Market (3)	$7,500	.65%	.65%
APY * = Annual Percentage Yield  Return to top

CD/IRA Rate Specials

15 Month IRA Certificate Special	Min. Balance	Dividend Rate	APY *
15 Month IRA Certificate Special	$4,000	1.74%	1.75%
15 Month Certificate Special	$5,000	1.74%	1.75%
APY * = Annual Percentage Yield  Return to top