SEVERAL WAYS TO $AVE TODAY FOR A $ECURE TOMORROW....

REGULAR SHARE ACCOUNTS
Savings at your credit Union are called "Shares". Each $25.00 deposit made is a "Share" in the Credit Unions. Dividends are earned daily, compounded and paid quarterly on accounts that have a balance of $100 or more.

Deposits can be made by:

• Payroll deduction... The most convenient method.
• Mail (checks or money orders only.)
• At the Credit Union.
• Direct Deposit.

CHRISTMAS CLUB ACCOUNTS
Offered in any denomination. Dividends are earned daily, compounded and paid quarterly. The completed Christmas Club is transferred to savings on October 1st

VACATION CLUBS
No set amount needed.  Dividends are earned daily, compounded and paid quarterly.  Monies can be withdrawn anytime as needed.

All Share accounts are Insured at least to $100,000 by the National Credit Union Administration, a U.S. Government Agency.

INDIVIDUAL RETIREMENT ACCOUNTS
As of January 1, 1982, IRAs became available to all wage earners. The IRAs became available to all wage earners. The IRA is a personal tax-sheltered retirement savings plan. It allows a wage earner to build a substantial fund and defer taxes on both principal and interest earned. (Some restrictions apply). IRAs are insured additionally and separately for $250,000 as of April 1, 2006. This is in addition to insurance on regular share accounts.

Your credit union also has the new Roth and Education IRA's available. All IRA's are invested in a one year CD at the current interest rate.

SHARE DRAFTS (CHECKING)
The Best Alternative To Bank Checking!

Your credit union offers a financial service that's designed especially for you. Our Share Draft program offers you all the benefits of checking accounts. You can use Share Drafts in any situation in which you'd use a check-for paying bills, for purchases or to get cash any time, anywhere. But that's where the similarity ends.

With Share Drafts, you get more for your money and they're more cost-effective than bank checks:

• No monthly service charge
• No minimum balance required.
• 50 FREE Share Drafts when you open your account

Instant record of all transactions. Each time you write a Share Draft, you get an exact duplicate on the attached carbonless duplicate copy.

Share Drafts are available only at your credit union!!!