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Type of Account
Minimum Daily Balance
APY *
Rate
Savings
5
.50%
.50%
Advantage Checking
10,000
.50%
.50%
Market Rate IRA
-
.50%
.50%
Big Easy Checking
-
.25%
.25%
Holiday Club
10.00
N/A
2.00%^
Young Explorers
25.00
.50%
.50%
Roth IRA
-
.50%
.50%
Money Market Account
2,500-4,999
1.00%
1.00%
 
5,000-14,999
1.16%
1.15%
 
15,000-24,999
1.51%
1.50%
 
25,000-49,999
2.17%
2.15%
 
50,000+
2.22%
2.20%


Disclosure

*APY= Annual Percentage Yield.

Rates are variable and are as of the last declaration date as of June 19, 2008. Rates are subject to change at any time.

^Dividend declared in September, paid on October 1st or November 1st (at member option). Dividend declared last September was 2.00%. Next declaration will not be made until September, 2008.

Penalties for early withdrawal are as stated in the Account and Disclosure Agreement. The Annual Percentage Yield disclosed assumes dividends will remain on deposit until maturity. Withdrawals will reduce earnings.

        
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