Effective as of August 9, 2010

Account Type		Dividend Rate	APY	Minimum Opening Deposit	Minimum Balance Requirements
Savings		0.00%	0.00%	$5.00	$50.00 to earn dividends
Checking		n/a	n/a	n/a	n/a
Social Investments		0.00%	0.00%	$100.00	$100.00 to earn dividends
Certificate of Deposit*
	One Month	0.25%	0.25%	$100.00	n/a
	90 Days (Mini)	0.50%	0.50%	$200.00	n/a
	6 Months (Maxi)	0.75%	0.75%	$500.00	n/a
	One Year	1.00%	1.00%	$1,000.00	n/a

* All CD's may be purchased as "Social Investments" at a 0.50% rate discount. (0.50% less than the stated rate). Penalties apply for early withdrawals: 5 days' dividends for 1 Month CDs; 60 days' dividends for 90 days and 6 Months CDs; and 90 days' dividends for 1 Year CDs.

APR = Annual Percentage Yield
All dividends are compounded and credited monthly
Please refer to the Truth in Savings Disclosure for Dividend Calculation Methods and Account Limitations.

Effective as of August 10, 2010

Loan Type	APR	Maximum Term for Secured Loans	Maximum Amount of Loan
Auto / Motorcycle	3.99% - 14.75%	60 Months	$25,000.00
Personal	7.99% - 18.75%	24 Months	$2,000.00

Effective October 15, 2009

Item Description	Fee (per item)	Item Description	Fee (per item)
Cashier's Checks (after 1 per day)	$3.00	Overdraft Transfer from Savings	$10.00
Check mailed to third party	$5.00	Stop Payment	$15.00
Check Copy	$5.00	Non-Sufficient Funds	$25.00
Dormant Account Closure	$20.00*	ACH Stop Payment	$15.00
Checking Account Forced Closure	$20.00	ACH Non-Sufficient Funds	$15.00
Mailed Account Statement**	$2.00 per month	Incoming Wire Transfer	$15.00
Statement Copy	$5.00	Outgoing Wire Transfer	$15.00
Phone Balance Transfer / Inquiry	$3.00	Printed Checks Order	$16.00
Account Research	$20.00 per hour	Draft Retrieval	$15.00
Loan Title Transfer	at cost	Returned Deposit Item	$25.00
Late Payment Fee	$20.00	Loan Application Fee	$20.00 each
Balance Account / Statement	$20.00 per hour	Collection	at cost
Outside Appraisal	at cost	Account Inquiry (after 4 per month)	$0.25
Debit / ATM Card Replacement	$10.00
+ Special Handling / Delivery	$40.00
* Account is dormant after 1 year of inactivity ** Mailed Account Statement Fee waived for member accounts registered to receive E-Statements (call to arrange)