Deposit Rates

Deposit rates shown here are current as of May 12, 2008.

Your Savings are insured up to $100,000 and IRA Savings up to $250,000 by the National Credit Union Administration a U.S. Government Agency.

Share Savings Accounts
	APY *	Minimum Opening Balance	Minimum Monthly Balance to Earn Dividends
Regular Share	0.50%	$5.00	$5.00
Children's Share	0.50%	$5.00	$5.00
* Annual Percentage Yield Dividends are compounded and credited monthly using a daily balance method. Federally regulated transfer limitations apply to all savings accounts.

Premier Share Account
Tier	Balance Range	Rate
1	$10,000-$19,999	1.25% APY *
2	$20,000-$29,999	1.50% APY *
3	$30,000-$49,999	1.65% APY *
4	$50,000-$74,999	1.90% APY *
5	$75,000 and higher	2.35 % APY *
* Annual Percentage Yield Rates subject to change without notice. Dividends not earned on balances below $10,000.00. Dividends are earned daily and paid monthly using a daily balance method.

Share Draft (Checking) Accounts
	APY *	Minimum Opening Balance	Minimum Monthly Balance to Earn Dividends	Minimum Monthly Balance to Avoid Fees
Carefree Checking	N/A	$25.00	N/A	No Monthly Fees!
Personal Checking	0.10%	$25.00	$1,000.00	$500.00
Golden Checking	0.10%	$25.00	$1,000.00	No Monthly Fees!
*Annual Percentage Yield Rates and Fees subject to change. Dividends on interest-earning checking accounts are compounded and credited monthly using a daily balance method.

IRA Savings (Traditional and ROTH)
Tier	Balance	Rate
1	$0 - 24,999.99	2.00% APY *
2	$25,000 - 49,999.99	2.50% APY *
3	$50,000 - 74,999.99	3.00% APY *
4	$75,000 - 99,999.99	3.50% APY *
5	$100,000 - 149,999.99	4.00% APY *
6	$150,000 and up	4.50% APY *
*Annual Percentage Yield Rates and Fees subject to change. Dividends are compounded and credited monthly using a daily balance method. Traditional and Roth IRAs retirement accounts at NCUA-insured credit unions (ICU) are now insured up to $250,000, an increase from the previous $100,000 coverage. To learn more about retirement coverage visit www.ncua.gov or contact ICU today.

Share Certificates
Term	Dividend Rate
6 Months	2.25% APY *
12 Months	2.25% APY *
* Annual Percentage Yield. Minimum balance = $1,000. A penalty may be imposed for early withdrawal. Rates are subject to change. Call an ICU Membership Services Representative for information on how our Share Certificates can earn you money, 360-734-2043. Contact Member Services for details on rates and terms TODAY! 360-734-2043

Money Market Rates
Tier	Balance Range	Rate
1	$2,500.00 - $9,999.99	0.75% APY *
2	$10,000.00 - $24,999.99	1.00% APY *
3	$25,000.00 - $49,999.99	1.25% APY *
4	$50,000.00 or higher	1.50% APY *
* Annual Percentage Yield Regular share rate (0.50% APY) earned each day the account is below $2,500.00. Dividends are earned daily and paid monthly. Rates are variable. Money Market Account Terms & Conditions The ICU Money Market Account allows you immediate access to your funds without penalty when a minimum balance of $2,500.00 is maintained. Minimum opening balance of $2,500.00 is required. No monthly fee when a $2,500.00 balance is maintained. A $10.00 monthly fee will be assessed if you drop below the minimum balance. Access your funds easily by check or transfer. (Limitations apply. See account disclosure.)