Your savings are federally insured. Visit the National Credit Union Administration  

                                           NOTICE OF CHANGE
                          TEMPORARY NCUA INSURANCE COVERAGE
                                   FOR TRANSACTION ACCOUNTS
                                      
All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest.

Share/Savings
	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Regular Shares	$25.00	$100 Average Daily Balance	.250%
Safari Club	$10.00	$100 Average Daily Balance	.250%
Christmas Club	N/A	$100 Average Daily Balance	.250%
Special Accounts	N/A	$100 Average Daily Balance	.250%

• Dividends Paid Quarterly
• Dividends Compound Quarterly
• Dividend Period Calendar Quarter
• *Annual Percentage Yield
• Fees could reduce earnings on the account

Draft/Checking
	Minimum Opening Deposit	Monthly Service Charge	Minimum Balance to Avoid Service Charge	Minimum Balance to Earn Stated APY*	Yield/APY*
Regular Checking	$50.00	$5.00	$500 Average Daily Balance	$500 Average Daily Balance	None
No Service Charge	$50.00	None	N/A	N/A	None
Classic Checking	$50.00	None	N/A	$500 Average Daily Balance	None
Organization Checking	$50.00	None	N/A	N/A	None
Business Checking	$100.00	$20.00	$2000.00 Daily Balance	N/A	None
Small Business Checking	$50.00	$5.00	N/A	N/A	None

• *Annual Percentage yield
• Fees could reduce earnings on the account

Share Certificates /CDs
	Minimum Opening Deposit	Yield/APY*
12 month	$1,000.00	.451%
24 month	$1,000.00	.601%

• Penalty for early withdrawal may apply
• Fees could reduce earnings on the account
• Dividends Paid Monthly
• Dividends Compound Monthly
• Dividend Period Calendar Month 
• *Annual Percentage yield

IRA Shares
	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Traditional IRA	$50.00	$100 Average Daily Balance	.250%
ROTH IRA	$50.00	$100  Average Daily Balance	.250%

• Dividends Paid Quarterly
• Dividends Compound Quarterly
• Dividend Period Calendar Quarter
• *Annual Percentage yield
• Fees could reduce earnings on the account

IRA Certificates /CDs
	Minimum Opening Deposit	Yield/APY*
12 month	$1,000.00	.451%
24 month	$1,000.00	.601%

• Penalty for early withdrawal may apply
• Fees could reduce earnings on the account
• Dividends Paid Monthly
• Dividends Compound Monthly 
• Dividend Period Calendar Month
• *Annual Percentage yield

Rates are effective  January 31, 2012

Rates are subject to change daily without notice

You can obtain current rates by calling us, 970.522.0111 or 970.867.3383.