Share Rate and Fee Schedule Share Savings, Share Draft, IRA Savings and Medical Share Rates Effective 01/20/2010
SHARE TYPE		APY*
Regular Share (Savings)		0.50%
Regular & Business Share Draft		-
0.00 - $9,999.99		0.25%
$10,000.00 - $99,999.99		0.25%
$250,000.00 +		0.25%
IRA		-
$35.00 - $9,999.99		1.00%
$10,000.00 - $99,999.99		1.25%
$100,000.00 +		1.50%
Medical Share (Idaho)		0.75%
Money Market Rates Effective 01/20/2010
SHARE TYPE		APY*
Money Market**		-
$500.00 - $9,999.99		1.05%
$10,000 - $99,999.99		1.05%
$100,000.00 +		1.05%
Money Market Share Draft**		-
$500.00 - $9,999.99		1.05%
$10,000 - $99,999.99		1.05%
$100,000.00 +		1.05%
Share Certificate Rates Effective 01/20/2010
Share Certificates **		-
Term	Deposit Amount
6 months	$500.00 - $9,999.99	1.15%
	$10,000.00 - $99,999.99	1.25%
	$100,000.00 +	1.30%
12 months	$500.00 - $9,999.99	1.40%
	$10,000.00 - $99,999.99	1.50%
	$100,000.00 +	1.55%
18 months	$500.00 - $9,999.99	1.65%
	$10,000.00 - $99,999.99	1.75%
	$100,000.00 +	1.80%
24 months	$500.00 - $9,999.99	1.90%
	$10,000.00 - $99,999.99	2.00%
	$100,000.00 +	2.06%
36 months	$500.00 - $9,999.99	2.15%
	$10,000.00 - $99,999.99	2.25%
	$100,000.00 +	2.30%
48 months	$500.00 - $9,999.99	2.40%
	$10,000.00 - $99,999.99	2.50%
	$100,000.00 +	2.55%
60 months	$500.00 - $9,999.99	2.90%
	$10,000.00 - $99,999.99	3.00%
	$100,000.00 +	3.05%
Pick Your Term Certificates**		-
Term	Deposit Amount
37-60 months	$500.00 - $9,999.99	2.40%
	$10,000.00 - $99,999.99	2.50%
	$100,000.00 +	2.55%
IRA Certificates**		Same as Share Certificates in rate & term.

*APY - Annual Percentage Yield. Rates and terms subject to change without notice. ** Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity).

RATE INFORMATION: The dividend rate and the annual percentage yield may change every month. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.

Click here to download a printable rates schedule - Adobe Reader file

Regular Share Details
CHARGES CONNECTED WITH REGULAR SHARE:
Minimum Balance Required	$35.00
Minimum Balance to Open Additional Share	$5.00
Excess item fee	$1.00

Regular Share Draft Details
• NO MINIMUM BALANCE REQUIRED • FREE VISA ATM/DEBIT CARD • CLEARED CHECKS: FREE ONLINE with HOME BRANCH
CHARGES CONNECTED WITH SHARE DRAFT:
Overdrafts paid, physical or electronic, not returned	$20.00
Overdrafts unpaid, physical or electronic, returned	$20.00
Stop payment order	$20.00
Copies of drafts (drafts are not returned to you, but are viewable for free through Home Brach)	$2.00
Automatic computer transfers from regular share to share draft (Per transmission to cover overdraft)	$2.00

Business Share Draft Details
• CLEARED CHECKS: FREE ONLINE with HOME BRANCH • FREE ZIPPERED DEPOSIT BAG
CHARGES CONNECTED WITH BUSINESS SHARE DRAFT:
Minimum Balance Required	$100.00
Monthly Maintenance Service Fee	$5.00 per month
Check Writing Fee	$0.10 each over 150 per month
Deposited Items: On Us & Others	$0.10 each over 150 per month
Cash Deposit Fee	(deposits over $2500.00) $0.08 per $100.00 per day
Non-Sufficient Funds Fee	$20.00 per item
Returned Item Fee	$5.00 per item
Paid Overdrafts	$20.00 per item
Stop Payment Fee	$20.00 per item

Money Market Details
CHARGES CONNECTED WITH MONEY MARKET:
Excess item fee	$1.00

Money Market Share Draft Details
• CLEARED CHECKS: FREE ONLINE with HOME BRANCH
CHARGES CONNECTED WITH MONEY MARKET SHARE DRAFT:
Overdrafts paid, physical or electronic, not returned	$20.00
Overdrafts unpaid, physical or electronic, returned	$20.00
Stop payment order	$20.00
Excess item fee	$1.00