Rates

Rates effective May 17th, 2012.

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Deposit Rates

Product	Interest Rate	APY*	Minimum Balance Opening/Monthly
Prevail Rewards Checking
Balances up to $10,000	2.96%	3.00%	$100/na
Balances over $10,000	0.50%	0.50%	$100/na
All balances if qualifications are not met	0.05%	0.05%	$100/na
Regular Shares (Savings)	0.100%	0.100%	$5/$5
Vacation club Account	0.100%	0.100%	$5/$5
Holiday Savings Club *1	0.100%	0.100%	$5/$5
Prevail CU Kids Club	0.100%	0.100%	$5/$5
Unlimited Checking *2	0.000 %	0.000 %	$100/$0
Choice Club Checking	0.100%	0.100%	$100/$500
Seniors Checking	0.100%	0.100%	$100/$1000
Money Market Account - Tier One: *3	0.150%	0.150 %	$1000/$1000
Money Market Account - Tier Two: *4	0.250%	0.250 %	$20,000/$20,000
Money Market Account - Tier Three: *5	0.350 %	0.350 %	$75,000/$75,000

Product	Interest Rate	APY*	Minimum Balance Opening/Monthly
3 Month CD	0.150%	0.150 %	$500/$500
6 Month CD	0.250 %	0.250 %	$500/$500
9 Month CD	0.350 %	0.350 %	$500/$500
12 Month CD	0.400 %	0.400 %	$500/$500
15 Month CD	0.400 %	0.400 %	$500/$500
18 Month Bump *6	0.400 %	0.400 %	$500/$500
24 Month CD	0.650%	0.650 %	$500/$500
30 Month CD	0.700 %	0.700 %	$500/$500
36 Month Bump *7	0.800 %	0.800 %	$500/$500
60 Month CD	1.400 %	1.410%	$500/$500
Seniors Only 12 Month CD	0.400 %	0.400 %	$500/$500
12 Month Premium CD	0.400 %	0.400 %	$50,000/$50,000
12 Month JUMBO CD	0.400 %	0.400 %	$100,000/$100,000
24 Month Premium CD	0.650 %	0.650%	$50,000/$50,000
24 Month JUMBO CD	0.650%	0.650%	$100,000/$100,000
60 Month Premium CD	1.400%	1.410 %	$50,000/$50,000
60 Month JUMBO CD	1.400%	1.410 %	$100,000/$100,000

Product	Interest Rate	APY*	Minimum Balance Opening/Monthly
12 Month IRA *8	0.400 %	0.400 %	$50/$50
18 Month IRA *9	0.400 %	0.400%	$50/$50
24 Month IRA *10	0.650 %	0.650 %	$50/$50
12 Month ROTH IRA *9	0.400 %	0.400 %	$50/$50
ROTH IRA Savings *9	0.100 %	0.100 %	$50/$50
12 Month ESA COVERDELL IRA *9	0.400 %	0.400 %	$50/$50
60 Month IRA *11	1.400 %	1.410 %	$50/$50
60 Month ROTH IRA	1.400 %	1.410	$50/$50

* APY = Annual Percentage Yield
*1 Only For Valid Holidays
*2 The average daily balance is used as a balance computation method for all rates except marked rates with asterisk(*2).
*3 For balances from $1,000 to $19,999.99
*4 For balances $20,000 - 74,999.99
*5 For balances of $75,000 or more
*6 During the 18 month term, you may exercise a one-time bump to a higher rate and add to CD at that time
*7 During the 36 month term, you may exercise a one-time bump to a higher rate and add to CD at that time
*8 IRA accounts federally insured to $250,000 by the NCUA, a U.S. Government Agency.
*9 IRA accounts insured to $250,000 by the NCUA, a U.S. Government Agency
*10 IRA Accounts insured to $250,000 by the NCUA, a U.S. Government Agency
*11 NCUA Insured to at least $250,000, a U.S. Government Agency