Current Share Rates
Effective 9/30/04

The Board of Directors declared the following rates on credit union accounts for the third quarter of 2004

3rd Quarter IRA Accounts
     All Balances 3.05% APY
Annual Fee of $6.00
 
3rd Quarter Youth Shares
     $.01—$2,000 0.501% APY
     $2,000.01—$14,999.99 0.753% APY
     $15,000—and higher 1.010% APY
 
3rd Quarter Regular Shares (incl. Holiday & Special Accounts)
     $100—$2,000 0.501% APY
     $2,000.01—$14,999.99 0.753% APY
     $15,000—and higher 1.010% APY
 
Certificates of Deposit
Term
Minimum
APY <$10,000
APY >$10,000
  3 Month
$1000.00
.702%
.954%
  6 Month
$1000.00
1.156%
1.257%
12 Month
$ 500.00
1.764%
2.018%
24 Month
$1000.00
2.740%
3.00%
36 Month
$1000.00
3.042%
3.299%
60 Month
$1000.00
3.660%
3.919%
Please call the credit union office for
current quotes on Certificates of Deposit. 12 month certificates
carry our Rate Protection Option, which allows you to adjust
the rate one time during the term of the certificate.

*APY= Annual Percentage Yield.
*Dividend Rates and Annual Percentage Yields are subject to change without notice.
*Membership eligibility required