Concierge Rates

Concierge Loan RatesEffective Date: 02/01/2012
Type	Discounts Available
Concierge Gold	Discount of one-half of 1% on closed-end loans and Ready AccessLine.*
Concierge Silver	Discount of one-half of 1% on closed-end loans and Ready AccessLine.*
*Excluding VISA, first mortgages and emergency mini-loans.

Concierge Rates Gold Money Market Account (available for Concierge Gold members only)Effective Date: 02/01/2012
Daily Balance to Earn APY	Prospective Dividend Rate	Prospective Annual Percentage Yield (APY)	Minimum Deposit to Open
$2,500 to $24,999	0.25%	0.25%	$2,500
$25,000 to $49,999	0.35%	0.35%	$2,500
$50,000 or greater	0.45%	0.45%	$2,500
After account is opened, rates may change at any time and without notice, at the discretion of the Credit Union Board of Directors.

Concierge Share CertificatesEffective Date: 02/01/2012
Concierge Gold Share Certificate
Term (in months)	Dividend Rate	Annual Percentage Yield (APY)	Minimum Deposit to Open
3	0.45%	0.45%	$25,000
6	0.50%	0.50%	$500
12	0.75%	0.75%	$500
24	1.00%	1.01%	$500
36	1.25%	1.26%	$500
Concierge Silver Share Certificate
Term (in months)	Dividend Rate	Annual Percentage Yield (APY)	Minimum Deposit to Open
3	0.30%	0.30%	$25,000
6	0.35%	0.35%	$500
12	0.60%	0.60%	$500
24	0.85%	0.85%	$500
36	1.10%	1.11%	$500

Rates and Forms