Savings Rates

Effective February 1, 2012 Savings Rates — Dividend Rate Schedule Annual Percentage Yields (APY)
Certificates (minimum deposit $1,000)	Youth* Certificates (minimum deposit $500)	Dividend Rate	APY
6 months	Not Available	.50%	.50%
12 months	12 months	.60%	.60%
18 months	18 months	.75%	.75%
24 months	24 months	.85%	.85%
36 months	36 months	1.10%	1.10%
48 months	48 months	1.29%	1.30%
60 months	60 months	1.49%	1.50%
Membership Account		Dividend Rate	APY
Minimum balance $5 Minimum APY balance $100		.146%	.15%
Youth Account* (14 years of age or less)		Dividend Rate	APY
Minimum balance $5 Minimum APY balance $5		.146%	.15%
Christmas Club Account		Dividend Rate	APY
No minimum balance required		.146%	.15%
Money Market Plus Account (Minimum deposit $2,500)		Dividend Rate	APY
Minimum APY balance $25,000		.345%	.35%
Minimum APY balance $10,000		.245%	.25%
Minimum APY balance $2,500		.195%	.20%
Minimum APY balance less than $2,500		.145%	.15%
Access Checking Account		Dividend Rate	APY
Minimum APY balance $750		0.016%	0.02%
Image 50 Checking Account (50 years of age or more)		Dividend Rate	APY
Minimum APY balance $1,000		0.046%	0.05%
Certificates and Youth Certificates must remain on deposit until maturity to earn the advertised APY. The APY assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty will be imposed for early withdrawal of funds. No additional deposits are allowed during the certificate term. The APYs for Certificates and Youth Certificates are based on quarterly compounding with dividends credited quarterly. Membership, Youth, Christmas Club, Money Market PLUS, ACCESS Checking and IMAGE 50 Checking are all variable rate accounts, with the dividend rates and APYs subject to change, at any time, as determined by the Credit Union's Board of Directors. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The APYs for Membership, Youth, Christmas Club, Money Market PLUS, ACCESS Checking and IMAGE 50 Checking accounts are based on monthly compounding with dividends credited monthly. Please contact our member service representatives for additional information and disclosures, (316) 264-9163 or (800) 264-9163.

Traditional IRA, Roth IRA, SEP and Coverdell Education Certificates Minimum deposit $1,000, except Coverdell Education Certificate $500
	Dividend Rate	APY
12 months	.65%	.65%
18 months	.80%	.80%
24 months	.90%	.90%
36 months	1.15%	1.15%
48 months	1.34%	1.35%
60 months	1.54%	1.55%
Traditional IRA Savings Account	Dividend Rate	APY
Minimum balance $100	.395%	.40%
Roth IRA Savings Account	Dividend Rate	APY
Minimum balance $100	.395%	.40%
SEP (Simplified Employee Pension) Savings Account	Dividend Rate	APY
Minimum balance $100	.395%	.40%
Coverdell Education Savings Account	Dividend Rate	APY
Minimum balance $100	.395%	.40%
Traditional IRA, Roth IRA, SEP and Coverdell Education Certificates must remain on deposit until maturity to earn the advertised APY. The APY assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty will be imposed for early withdrawal of funds. No additional deposits are allowed during the certificate term. The APYs are based on quarterly compounding with dividends credited quarterly. Traditional IRA, Roth IRA, SEP and Coverdell Education Savings Accounts are all variable rate accounts, with the dividend rates and APYs subject to change, at any time, as determined by the Credit Union's Board of Directors. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The APYs are based on quarterly compounding with dividends credited quarterly. Please contact our member service representatives for additional information and disclosures, (316) 264-9163 or (800) 264-9163.