Rates

Rates Effective August 1, 2010

Share Rate & Fee Disclosure

Share Rates

Accounts	Annual Rate	Annual Yield
Kasasa Cash
Qualifying*† $0.01 - $10,000.00 $10,000.01 or more Non-Qualifying	3.455% 1.500% 0.100%	3.51% 1.51% 0.10%
Kasasa Saver
Qualifying*† Non-Qualifying	1.499% 0.100%	1.51% 0.10%
Kasasa Saver/Giving
Qualifying*† $0.01 - $10,000.00 $10,000.01 or more Non-Qualifying	3.510% 1.510% 0.100%	3.51% 1.51% 0.10%
Share Savings¹	0.250%	0.25%
Share Draft Checking²	0.100%	0.10%
Christmas Club	0.250%	0.25%
Vacation Club	0.250%	0.25%
IRA Shares	0.499%	0.50%
Money Market $500,000+³	0.698%	0.70%
Money Market $20,000 - $499,999.99³	0.598%	0.60%
Money Market $7,500 - $19,999.99³	0.499%	0.50%
Money Market $2,500 - $7,499.99³	0.399%	0.40%

¹ average daily balance over $100.00 required

² average daily balance over $500.00 required

³ average daily balance over minimum balance required

*APY (Annual Percentage Yield). Annual Percentage Yield (APY) accurate as of 03/01/2010. Fees may reduce earnings. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Kasasa Cash, Kasasa Saver & Kasasa Giving Checking accounts are Tiered Rate accounts. If your Average Daily Balance is $10,000.00 or below and you meet all of the following qualifications during the qualification cycle, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply for the dividend period: 1) a minimum of 10 signature-based debit card transactions post to your account; 2) you receive your monthly statement electronically; 3) at least one direct deposit or automatic payment posts to your account; and 4) you log into Home Banking. If your balance is $10,000.01 or greater and you meet all of the qualifications, the second Dividend Rate and Annual Percentage Yield listed for this account will apply for the dividend period. Each rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the qualifications during the qualification period, the third Dividend Rate and Annual Percentage Yield listed for this account will apply to the entire balance in the account. For, Kasasa Saver Checking accounts, dividends and ATM refunds will be transferred into the Kasasa Saver Savings account the end of the statement cycle. Kasasa Saver Savings account is a Tiered Rate account. If you meet all of the Kasasa Saver Checking account qualifications during the qualification cycle, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply for the dividend period. If you do not meet all of the qualifications in the Kasasa Saver Checking account during the qualification period, the second Dividend Rate and Annual Percentage Yield listed for this account will apply to the entire balance in the account. For Kasasa Cash, Kasasa Saver, Kasasa Giving Checking accounts and the Kasasa Saver Savings account. One Kasasa checking or savings account allowed per primary member’s social security number † The qualification cycle is defined as a period beginning on the last calendar day of the previous month through the next to the last calendar day of the current month (example: March 30 – April 29).

Share Certificate Rates

Please note that $1,000 minimum balance is required.

Accounts	Annual Rate	Annual Yield
3 Months	0.449%	0.45%
6 Months	0.946%	0.95%
12 Months	1.193%	1.20%
18 Months	1.243%	1.25%
24 Months	1.687%	1.70%
30 Months	1.834%	1.85%
36 Months	1.884%	1.90%
42 Months	1.933%	1.95%
48 Months	2.031%	2.05%
60 Months	2.178%	2.20%

Jumbo Share Certificate Rates

The Jumbo Share Certificate Annual Percentage Yield is above Share Certificate APY by 0.10%. Please note that $100,000 minimum balance is required.

Loan Rates

Type	Term	Daily Periodic Rate	Annual Percentage Rate
Vacation Signature Loan Special*†	Up to 36 Months	0.021979% - 0.32877%	8.00% - 12.00%
New and Used Automobiles, Motor Homes, and RVs*	Up to 72 Months	0.014384% - 0.041781%	5.25% - 15.25%
No Credit Check Signature Loan	12 Months	0.049351%	18.00%
Unsecured Loans*	Up to 36 Months	0.029452% - 0.048630%	10.75% - 17.75%
2nd Mortgage*	Up to 120 Months	0.013699% - 0.028767%	5.00% - 10.50%

Visa Rates

Card Type	Daily Rate	Annual Rate
VISA Platinum*	Call Credit Union for Current Rates	Call Credit Union for Current Rates
VISA Classic	0.038356%	14.00%

Other Loans

Loan Type	Annual Percentage Rate
Share Savings Secured	3% above Share Savings rate
Share Certificate Secured	3% above Share Certificate rate
Home Equity Line of Credit	Call Credit Union for current rates
1st Mortgage	Call Credit Union for current rates
1st Mortgage Rental	Call Credit Union for current rates

*Performance Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please ask for the rate that you will qualify for.

†Special rate effective June 1, 2010 through July 31, 2010.