Advantages Certificates of Deposit™ Advantages Checking™ Advantages Money Market Checking™ Advantages Money Market Savings™ IRA Share Savings Account

Advantages Certificates of Deposit™ and Advantages IRA Certificates of Deposit™

Account Balance $500 - $9,999.99 $10,000 - $74,999.99 $75,000 and Up Term Dividend Rate APY Dividend Rate APY Dividend Rate APY 6 Months 0.55% 0.55% 0.85% 0.85% 1.05% 1.05% 1 Year 0.85% 0.85% 1.14% 1.15% 1.34% 1.35% 18 Months 1.05% 1.05% 1.34% 1.35% 1.54% 1.55% 2 Years 1.39% 1.40% 1.69% 1.70% 1.88% 1.90% 3 Years 1.83% 1.85% 2.13% 2.15% 2.33% 2.35% 4 Years 2.13% 2.15% 2.42% 2.45% 2.62% 2.65% 5 Years 2.47% 2.50% 2.76% 2.80% 2.96% 3.00% Annual Percentage Yield (APY) is quoted as of 9/1/2010. $500 minimum deposit required to open account. You may not make additional deposits after the account is opened. APY assumes principal and dividends remain on deposit until maturity. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Certificate renews automatically. APY is subject to change and may be withdrawn without notice.

Advantages Money Market Savings™

Account Balance Nominal Dividend Rate APY $0.01 - $9,999.99 0.50% 0.50% $10,000.00 - $49,999.99 1.24% 1.25% $50,000.00 and over 1.74% 1.75% Rates are stated as of 9/1/2010 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. $2,500 minimum balance required to avoid fees. Fees could reduce earnings on the account(s).

IRA

Account Type Nominal Dividend Rate APY IRA 1.49% 1.50% Rates are stated as of 9/1/2010 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. Fees could reduce earnings on the account(s).

Share Savings Account

Account Type Nominal Dividend Rate APY Standard Share* 1.00% 1.00% Special Savings 1.00% 1.00% Holiday Savings 1.00% 1.00% Vacation Savings 1.00% 1.00% Health Savings 1.00% 1.00% Share Savings Accounts require $5.00 minimum balance to obtain Annual Percentage Yield (APY). Rates are stated as of 9/1/2010 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. Fees could reduce earnings on the account(s).

Advantages Checking™

Account Type Nominal Dividend Rate APY ValuePlus Checking 0.50% 0.50% Priority Checking 0.50% 0.50% Connections™ Checking 1.00% 1.00% Rates stated as of 9/1/2010 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. No minimum balance required to earn annual percentage yield (APY). Minimum daily balance of $1,000 required to avoid $8 monthly fee. Fees could reduce earnings. $25.00 minimum deposit required to open account.

Advantages Money Market Checking™

Account Balance Nominal Dividend Rate APY $0.01 - $9,999.99 0.50% 0.50% $10,000.00 - $49,999.99 0.75% 0.75% $50,000.00 and over 1.74% 1.75% Rates are stated as of 9/1/2010 and may change after the account is opened. Rates are subject to change at the Credit Union’s discretion, without notice. Monthly service fee will not be charged if a recurring electronic deposit is established, regardless of minimum daily balance. Otherwise a minimum daily balance of $2500 required to avoid $10 monthly fee. Fees could reduce earnings on the account(s). Annual Percentage Yield assumes dividend remains on deposit. Withdrawals of dividend will reduce earnings. $25.00 or an electronic deposit required to open account.