TYPE OF ACCOUNT	RATE	APY*
	Savings and Clubs to $39,999.99	0.35 %	0.35 %
	Savings & Clubs over$40,000	0.65 %	0.65 %
	6 Month Certificate	0.85 %	0.85 %
	12 Month Certificate	1.10 %	1.11 %
	18 Month Certificate	1.25 %	1.26 %
	24 Month Certificate	1.50 %	1.51 %
	36 Month Certificate	2.00 %	2.02 %
	* ANNUAL PERCENTAGE YIELD - $500.00 MINIMUM DEPOSIT FOR CERTIFICATES
NOTICE: Rates are subject to change without notice.

Checking (Share Draft) Accounts

Our Checking accounts offer you the savings and convenience you need to manage your personal day-to-day financial affairs. No Minimun Balance No Monthly Fee No Per Check Charge Monthly Statements show complete checking account activity. Payroll Deduction and Direct Deposit of net pay, pension and Social Security. ATM or Debit Cards are available to access your checking balance, get cash or make purchases.   Homeline Online Banking - FREE   Electronic Bill Pay - FREE

More Funds For Vacation Fun

Still paying for last year's vacation? There's a better way. Open a Vacation Club account at the credit union and your souvenirs won't include your credit card bills. Regularly tucking away even small amounts can add up. You can make saving painless by automatically transferring the funds into a Vacation Club account. Then whether your idea of a vacation is the beach or a Broadway show, you can relax knowing you can still take advantage of the convenience of using your credit card, but you are not sinking deeper into debt every time you do so. And, because you won't be paying interest charges, you'll have more funds for vacation fun. Your Vacation Club account is your ticket to leaving worry and stress behind you. For details on how you can open yours, call or stop by the credit union today.

Making Ends Meet

We'll Help With The Challenge: Making Ends Meet     Making ends meet in today's economy is a constant challenge for all of us. We need to get the most out of every hard-earned dollar. Your Credit Union exists to help you do just that. How? By offering low cost services such as free checking and paying higher rates on savings. But that's not all. Your Credit Union also provides a wide spectrum of financial services. So if today's economic environment has you searching for every advantage, look to your Credit Union.

Certificates of Deposit

A fixed rate and a fixed term investment. Your rate of return is guaranteed, while your deposits are fully insured up to $250,000.00 by the National Credit Union Administration. Minimum deposit $500 Terms:       6 Months       12 Months       18 Months       24 Months Rates - See chart at the top of this page for current, high yield, rates.

Savings/Share Services

The Credit Union offers a variety of savings and investment accounts with highly competitive rates of interest, such as: Regular Savings/Share Accounts- Required membership account that pays passbook savings rates. There is a one time membership application fee of $5.00.  Deposits can be made through Payroll Deduction, Direct Deposit, by mail or in person. Statements that show all activity are mailed each quarter. Minimum balance is $5. Minimum balance to earn dividends is $50. Holiday Club- Special savings account. Earns the same rate of interest as Regular Savings account. Can be started at any time.The balance in this club account will be transfered directly into your regular savings account on October 9, 2007. Deposits can be made through Payroll Deduction, Direct Deposit, by mail or in person. There is an early withdrawal fee of $20. Vacation Club- Special savings account. Earns the same rate of interest as Regular Savings account. Can be started at any time. The balance in this club account will be transfered directly into your regular savings account on May 13, 2008. Deposits can be made through Payroll Deduction, Direct Deposit, by mail or in person.  There is an early withdrawal fee of $20.