Rates

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    Savings

    Product Dividend/Interest Rate APY* Term
    Regular Shares 0.25 0.25 N/A
    Special Shares/Vacation Club 0.25 0.25 N/A
    Christmas Club 0.25 0.25 N/A
    Explorer Club Savings
    Rate for Balances Under $3,000 5.37 5.50 N/A
    Balances over $3000 earn Regular Savings Rate 0.50 0.50 N/A
    L’Argent Money Market
    $500-$10,000 0.50 0.50 N/A
    $10,000-$25,000 0.50 0.50 N/A
    $25,000 and up 0.50 0.50 N/A
  •  

    Checking

    Product Dividend/Interest Rate APY* Term
    Prestige Checking 0.10 0.10 N/A
  •  

    CDs (Minimum Deposit $1,000.00)

    Product Dividend/Interest Rate APY* Term
    6-Month Certificate 3.93 4.00 6 Months
    12-Month Certificate 3.45 3.50 12 Months
    18-Month Certificate 2.72 2.75 18 Months
    24-Month Certificate 2.72 2.75 24 Months
    36-Month Certificate 2.72 2.75 36 Months
    48-Month Certificate 2.72 2.75 48 Months
    60-Month Certificate 2.72 2.75 60 Months
  •  

    IRAs

    Product Dividend/Interest Rate APY* Term
    24-Month Certificate 2.72 2.75 24 Months
    36-Month Certificate 2.72 2.75 36 Months
    48-Month Certificate 2.72 2.75 48 Months
    60-Month Certificate 2.72 2.75 60 Months
    IRA Traditional, Roth & Educational Variable Rate 0.25 0.25 N/A

*APR = Annual Percentage Rate. All Secured Loans are available for an estimated term of 12, 24, 36, 48, 60 or 72 months. Your exact ANNUAL PERCENTAGE RATE for a signature or secured loan will be determined at the time you apply for a particular loan, based upon your credit worthiness at that time and will be disclosed on your Advance Request Voucher/Disbursement Voucher.

**APY = Annual Percentage Yield. ALL SAVINGS ACCOUNTS ARE FEDERALLY INSURED THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA), AN AGENCY OF THE U.S. GOVERNMENT.

ALSO, PREVIOUS LEGISLATION THAT INCREASED NCUSIF COVERAGE FOR RETIREMENT ACCOUNTS ALSO HAS A PROVISION FOR POTENTIAL INCREASES IN THE INSURANCE LIMITS ON ALL SHARE ACCOUNTS, INCLUDING RETIREMENT ACCOUNTS, EVERY FIVE YEARS. THIS PROCESS WILL BEGIN IN 2011. CHANGES, IF THEY OCCUR AT ALL, WILL BE BASED, IN PART, ON INFLATION.