SAVINGS ACCOUNT INTEREST RATES These ANNUAL PERCENTAGE YIELDS are effective as of the last dividend declaration date of December 31, 2008. For additional information, call (810) 720-8300.
Account	Minimum Deposit	Annual Percentage Yield	Annual Dividend Rate
Regular Share	$5.00**	.75%	.75%
Christmas Club	None	.75%	.75%
Summer Check Club	None	.75%	.75%
Mortgage Payment Club	None	.75%	.75%
Super Club	None	.75%	.75%
Loan Pledge Club	None	.75%	.75%
Share Draft Account	$100***	.25%	.25%
HSA Share Draft Account	None	3.25%	3.25%

* Minimum deposit required to open the account and to obtain the stated APY.
** A minimum of $5.00 is required to maintain your share account.
*** The minimum deposit to open a share draft account is waived if you are approved for an overdraft line of credit.
These rates may change on a quarterly basis.
Any fees incurred may reduce earnings.
THE CREDIT UNION IS FEDERALLY INSURED BY THE NCUA

CERTIFICATE OF DEPOSIT INTEREST RATES These ANNUAL PERCENTAGE YIELDS were offered within the most recent 7 calendar days and were accurate as of January 5, 2009. For additional information, call (810) 720-8300. These rates may change on a weekly basis, but are fixed for the term of the certificate. A penalty may be imposed for early withdrawal.
Length of Certificate	Type of Certificate	Minimum Deposit*	APY (Interest Paid at Maturity)	APY (Interest Paid Monthly **)	APY (Interest Paid Quarterly)	APY (Interest Paid & Compounded Quarterly)	Annual Interest Rate
91 Days	Regular	$2,500	1.50%	1.50%	N/A	N/A	1.50%
182 Days	Regular	$2,500	2.20%	2.20%	N/A	N/A	2.20%
12 Months	Regular & IRA	$500	N/A	2.62%	2.62%	2.65%	2.62%
18 Months	Regular & IRA	$500	N/A	2.62%	2.62%	2.65%	2.62%
24 Months	Regular & IRA	$500	N/A	2.77%	2.77%	2.80%	2.77%
30 Months	Regular & IRA	$500	N/A	2.82%	2.82%	2.85%	2.82%
36 Months	Regular & IRA	$500	N/A	3.11%	3.11%	3.15%	3.11%

SAVINGS ACCOUNT INTEREST RATES
Account	Minimum Deposit*	Annual Percentage Yield	Annual Interest Rate
HI-FI Account	$2,500	1.51%	1.50%
---	None	.25%	.25%
IRA Account	None	.75%	.75%

N/A (Rate is not available for the term shown.)
* Minimum deposit required to open the account and to obtain the stated APY.
** Minimum deposit of $5,000 is required.
The rates for HI-FI Accounts may change on a weekly basis.
The rates for IRA Accounts may change on a quarterly basis.
A penalty may be imposed for early withdrawal from your IRA Account.
Any fees incurred may reduce earnings.
CALCULATORS