Savings Rates Schedule | Effective September 30, 2013

Dividends Regular Share Youth Account Money Market Christmas Club IRA Share Builder
Dividend Rate 0.10% 0.10% 0.10% 0.15% 0.40%
APY* 0.10% 0.10% 0.10% 0.15% 0.40%
Dividends Compounded Quarterly Quarterly Monthly Quarterly Quarterly
Dividends Credited Quarterly Quarterly Monthly Quarterly Quarterly
Compound Method Average Daily Balance   Average Daily Balance   Average Daily Balance   Average Daily Balance   Average Daily Balance  
*Annual Percentage Yield

See Disclosures Page For Important Information.

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