5 Year Step Up Share Certificate

TERM (YEARS)	MINIMUM DEPOSIT (USD)	OPEN RATE(%)	MATURITY RATE(%)	APY*(%)	DIVIDEND PENALTY(Days)
5	5000	1.15	3.40	2.30	900

Rate increases by .25% every 6 months, at which time additional funds may be added. Fees may reduce earnings on share accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure. Penalty for early withdrawal is 900 Days of Dividends.

Share and IRA Certificates

TERM (MONTHS)	MINIMUM DEPOSIT (USD)	DIVIDEND RATE(%)	APY*(%)	DIVIDEND PENALTY(DAYS)
6	1,000	0.30	0.30	90 Days
12	1,000	0.40	0.40	180 Days
18	1,000	0.90	0.90	270 Days
24	1,000	1.00	1.00	360 Days
36	1,000	1.25	1.26	540 Days
48	1,000	1.75	1.76	720 Days

Fees may reduce earnings on share accounts. These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our Truth in Savings Disclosure.
 

MONTY MOOSE SHARE CERTIFICATES

TERM (MONTHS)	BALANCE FOR DIVIDEND (USD)	MINIMUM DEPOSIT (USD)	DIVIDEND RATE(%)	APY*(%)	DIVIDEND PENALTY(DAYS)
12	5.00	500	0.40	0.40	180 Days

TAKE CHARGE SHARE CERTIFICATES

TERM (MONTHS)	BALANCE FOR DIVIDEND (USD)	MINIMUM DEPOSIT (USD)	DIVIDEND RATE(%)	APY*(%)	DIVIDEND PENALTY(DAYS)
12	25.00	500	0.40	0.40	180 Days

These dividend rates are subject to change at any time without prior notice. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal.

SHARE ACCOUNTS

TYPE	BALANCE FOR DIVIDEND (USD)	MINIMUM DEPOSIT (USD)	DIVIDEND RATE(%)	APY*(%)
SHARES	100	25	0.10	0.10
CLUB	100	NONE	0.10	0.10
SHARE DRAFT	AVG BALANCE 250/MONTH	NONE	0.00	0.00
TRADITIONAL IRA	100	NONE	0.25	0.25
ROTH IRA	100	NONE	0.25	0.25
COVERDELL EDUCATION SAVINGS ACCOUNT	100	NONE	0.25	0.25
HSAs - Health Savings Accounts	100	NONE	0.25	0.25

IRA withdrawals may be subject to a federal early withdrawal penalty and federal and state taxation. Call the credit union to obtain a copy of our IRA Trust Agreement and Disclosure.

CERTIFICATE SAVINGS ACCOUNT

TIER (USD)	MINIMUM DEPOSIT (USD)	DIVIDEND RATE(%)	APY*(%)
100 to 2,499	NONE	0.10	0.10
2,500 to 9,999	NONE	0.25	0.25
10,000 to 49,999	NONE	0.25	0.25
50,000 or MORE	NONE	0.50	0.50

*ANNUAL PERCENTAGE YIELD

ALL RATES SUBJECT TO CHANGE AT THE DISCRETION OF THE BOARD OF DIRECTORS

MEMBERSHIP ELIGIBILITY REQUIRED