http://www.onguardonline.gov
**All rates are effective February 23, 2012, and are subject to change


Summary of Interest Rates
*APY Is The Annual Percentage Yield.                                                                        
Certificates & IRA AccountsAs High As 2.00%
Money Market AccountsAs High As 0.79%
Savings AccountsAs High As 1.00%
Certificates & IRA's Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
3 Month Certificate - $1000 Minimum 0.60%0.60%
6 Month Certificate - $1000 Minimum0.75%0.75%
12 Month Certificate - $1000 Minimum0.90%0.91%
18 Month Certificate - $1000 Minimum1.09%1.10%
24 Month Certificate - $1000 Minimum1.29%1.30%
36 Month Certificate - $1000 Minimum1.67%1.68%
48 Month Certificate - $1000 Minimum1.98%2.00%
Super Saver Money Markets Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
$0 - $2,499.990.65%0.65%
$2,500.00 - $9,999.990.70%0.70%
$10,000 - $49,999.990.74%0.74%
$50,000 & Over0.79%0.79%
Regular Share Savings Account Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
$4.99 Or Less0.00%0.00%
$5.00 To $999.990.50%0.50%
$1,000.00 To $9,999.990.50%0.50%
$10,000.00 & Over0.50%0.50%
IRA Share Accounts Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
IRA Share Accounts1.00%1.00%
Christmas Clubs Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
Christmas Clubs1.00%1.00%
Vacation Clubs Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
Vacation Clubs1.00%1.00%
EZ Savers Accounts Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
EZ Savers Accounts0.50%0.50%
Youth Savers Club Dividend Rate APY*
*APY Is The Annual Percentage Yield.                                                                        
Youth Savers Club1.00%1.00%
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Yields are based on all dividends remaining in account to compound.

Please call the credit union for complete details and current rates.
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Routing Number 271989688
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