Rates Savings and Certificate Rates Effective: 12/01/2011 All Rates are subject to change without notice. Savings Rates (Dividends paid monthly)   Dividend Rate APY Regular Savings     $25.00 - $4,999.99 .100% .10% $5,000 - $19,999.99 .100% .10% $20,000 and over .100% .10% PARDA Premier Savings     $2,500 - $9,999.99 .200% .20% $10,000 - $19,999.99 .300% .30% $20,000 - $49,999.99 .400% .40% $50,000 - $99,999.99 .500% .50% $100,000 and over .650% .65%       All IRA Savings Account .500% .50%       All Other Savings Accounts .100% 0.10% APY = Annual Percentage Yield Certificate Rates (All IRA Certificates - Traditional and Roth, are also available with these terms) Terms Minimum Deposit Dividend Paid Dividend Rate APY 91 Days* $500 Maturity 0.250% 0.25% 6 Months $500 Maturity 0.400% 0.40% 1 Year $500 Quarterly 0.700% 0.70% 1 Year JUMBO* $50,000 Quarterly 0.800% 0.80% 18 Months $500 Quarterly 0.800% 0.80% 2 Years $500 Quarterly 1.000% 1.00% 3 Years $500 Quarterly 1.290% 1.30% 4 Years $500 Quarterly 1.590% 1.60% 5 Years $500 Quarterly 1.890% 1.90%   *91 Day & 12 Month Jumbo Certificates are NOT available in any IRA. *** Dividend Rates for period shown **** Penalties for early withdrawal may affect principal ***** Dividends must be compounded to earn APY   Senior Plus Certificate Rates (Age 60 and over) Terms Minimum Deposit Dividend Paid Dividend Rate APY 1 Year $500 Quarterly 0.750% 0.75% 18 Months $500 Quarterly 0.850% 0.85% 2 Years $500 Quarterly 1.050% 1.05% 3 Years $500 Quarterly 1.340% 1.35% 4 Years $500 Quarterly 1.640% 1.65% 5 Years $500 Quarterly 1.940% 1.95%   Loan Rates Loan and Credit Rates Effective 10/01/2011. All Rates are subject to change without notice. (All loan rates quoted APR (Annual Percentage Rate)     Car and Truck Loans*     Vehicle Model Years 2011 – 2006** Max Term As Low As 24 months 36 months 48 months 60 months 72 months 2.35% 2.60% 2.95% 3.30% 3.60% Vehicle Model Years 2005 and older** Max Term As Low As 24 months 36 months 48 months 60 months 3.35% 3.60% 3.95% 4.30% Recreational Vehicles * Boats, Motor homes, Travel Trailers, Jet Ski's and Snowmobiles* Max Term As Low As 36 months 60 months 84 months 120 months 3.60% 4.30% 4.90% 5.80%         Share/Certificate Pledged Loans Collateral rate + 3%           Other Secured Loans See Loan Representative For Details           Closed End Signature Loans*   As Low As 9.50%       Unsecured Loans     Home Equity Line of Credit No Costs/15 year draw period Minimum Rate 6% Maximum Rate 18% Refer to Wall Street Journal for stated Prime Rate     80% LTV or Less* As Low As Prime       Closed End Fixed Rate Cost Varies, contact your branch for details / up to 5 year term 80% LTV or Less* As low As 4.65%       Closed End Fixed Rate Cost Varies, contact your branch for details / up to 7 year term 80% LTV or Less* As low As 5.20%       Closed End Fixed Rate Cost Varies, contact your branch for details / up to 10 year term 80% LTV or Less* As Low As  5.75%       First Mortgage Loans Contact your branch for rates or our Mortgage Dept. at (866) 898-1818 N/A             *The annual percentage rate (APR) disclosed above are the lowest rates available. Your actual rate will reflect your individual credit history and may be higher than the above rates. Please contact one of our loan representatives for more information. **Includes .25% Direct Deposit discount. Add 1% pricing premium for vehicles with mileage in excess of 75,000.

	Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
	NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a ''noninterest-bearing transaction account'' are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term ''noninterest-bearing transaction account'' includes a traditional share draft account on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, PARDA Premier Account, Primary Shares, Share Certificates and Sub-Accounts, even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, www.ncua.gov