Rates

Rates Effective April 16, 2008
All Rates subject to change without prior notification.

**Fees may reduce earnings on your account.  To determine if a fee will affect your account please
refer to our fees schedule or click here!**

Share Rates

Shares
   Rate.....0.75%
   APY....0.75%
* Minimum balance of $5.00 to open an account and earn a Dividend

 Share Drafts
   Rate..... .50%
   APY.... .50%
* Draft account must have a minimum balance of $1,000.00 to earn a Dividend

Christmas Club
   Rate.....0.75%
   APY....0.754%

IRA's
   Rate.....3.75%
   APY....3.80%

Certificates of Deposits
Rates Effective April 16, 2008
** A penalty may be imposed if funds are withdrawn early on Certificates**
***Some Certificates may not compound which would result in a difference in your APY.  Please contact
a member service representative at 906-387-3839 to find out what your APY may be.***

3 month
    Rate....2.40%
    APY....2.42%

6 month
   Rate.....2.50%
   APY....2.53%

1 Year
   Rate.....2.75%
   APY....2.78%

1 1/2 Year
   Rate.....2.75%
   APY....2.78%

2 Year
   Rate.....3.00%
   APY....3.04%

3 Year
    Rate.....3.20%
    APY....3.25%

4 Year
   Rate.....3.25%
   APY....3.30%

APY: Annual Percentage Yield