IRA Rates

Regular IRA/Coverdell ESAEffective Date: 02/01/2012
Daily Balance	Prospective Dividend Rate	Prospective Annual Percentage Yield	Minimum Deposit to Open
Under $10,000	0.28%	0.28%	n/a
$10,000 or more	0.53%	0.53%	n/a
After account is opened, rates may change at any time and without notice at the discretion of the Credit Union Board of Directors.

Regular IRA/Coverdell ESA Share CertificatesEffective Date: 02/01/2012
Regular IRA/Coverdell ESA Share Certificates
Term (in months)	Dividend Rate	Annual Percentage Yield (APY)	Minimum Deposit to Open
12	0.50%	0.50%	$500
24	0.75%	0.75%	$500
36	1.00%	1.01%	$500
A penalty will be imposed for early withdrawal. The rate in effect when account is opened is fixed for the term of the share certificate.

Concierge IRA/Coverdell ESA CertificatesEffective Date: 02/01/2012
Concierge Gold IRA Certificate
Term (in months)	Dividend Rate	Annual Percentage Yield (APY)	Minimum Deposit to Open
12	0.75%	0.75%	$500
24	1.00%	1.01%	$500
36	1.25%	1.26%	$500
Concierge Silver IRA Certificate
Term (in months)	Dividend Rate	Annual Percentage Yield (APY)	Minimum Deposit to Open
12	0.60%	0.60%	$500
24	0.85%	0.85%	$500
36	1.10%	1.10%	$500
A penalty will be imposed for early withdrawal. The rate in effect when the account is opened is fixed for the term of the share certificate.

Rates and Forms