Original / Regular
	APR	APY
	0.10%	0.10%
The interest compounds and credits quarterly

Scottie Saver
	APR	APY
	0.35%	0.35%
The interest compounds and credits quarterly

Link
	APR	APY
	0.35%	0.35%
The interest compounds and credits quarterly

Gold Value
	APR	APY
	0.37%	0.37%
The interest compounds and credits quarterly

Draft (Checking)
	APR	APY
	0.05%	0.05%
The interest compounds and credits quarterly

Rates based on Credit Union's earning

Certificates of Deposit Effective November 2, 2011
Term	APR	APY
6 Months	0.35%	0.35%
12 Months	0.55%	0.55%
24 Months	0.90%	0.90%
36 Months	1.14%	1.15%
Minimum Deposit $500.00
Dividends will be compounded and credited monthly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

*APY= Annual Percentage Yield.
*Dividend Rates and Annual Percentage Yields are subject to change without notice.
*Membership eligibility required
NOTE: See Account Disclosure & Fee Schedule for terms and conditions on each type of account