Prevail Credit Union Deposit, Certificate, and Retirement Account Rates Effective Date: Sep. 5, 2008 Deposit Rates Product Interest Rate APY (Annual % Yield) Dividents (Compounded/Credited) Min. Balance (Opening/Monthly) Regular Shares (Savings) 0.500% 0.500% Monthly/Monthly $5/$5 Vacation club Account 0.500% 0.500% Monthly/Monthly $5/$5 Holiday Savings Club * 0.500% 0.500% Monthly/Monthly $5/$5 Prevail CU Kids Club 0.500% 0.500% Monthly/Monthly $5/$5 Unlimited Checking *2 0.000% 0.000% Not Applicable/Not Applicable $100/$0 Choice Club Checking 0.250% 0.250% Monthly/Monthly $100/$500 Seniors Checking 0.250% 0.250% Monthly/Monthly $100/$1000 Money Market Account - Tier One: *3 2.230% 2.250% Monthly/Monthly $1000/$1000 Money Market Account - Tier Two: *4 2.710% 2.740% Monthly/Monthly $20,000/$20,000 Money Market Account - Tier Three: *5 2.960% 3.000% Monthly/Monthly $75,000/$75,000 Certificate Rates Product Interest Rate APY (Annual % Yield) Dividents (Compounded/Credited) Min. Balance (Opening/Monthly) 3 Month CD 2.970% 3.000% Paid at Maturity/Paid at Maturity $1000/$1000 6 Month CD 3.030% 3.050% Paid at Maturity/Paid at Maturity $500/$500 9 Month CD 3.060% 3.100% Quarterly/Quarterly $500/$500 12 Month CD 3.110% 3.150% Quarterly/Quarterly $500/$500 15 month CD 3.110% 3.150% Quarterly/Quarterly $500/$500 18 Month Bump *6 3.160% 3.200% Quarterly/Quarterly $1000/$1000 24 Month CD 3.260% 3.300% Quarterly/Quarterly $500/$500 30 Month CD 3.310% 3.350% Quarterly/Quarterly $500/$500 36 Month Bump *7 3.360% 3.400% Quarterly/Quarterly $1,000.00/$1,000.00 60 Month CD 3.600% 3.650% Quarterly/Quarterly $500/$500 EXCEL 5-Year Bump  *8 4.000% 4.060% Quarterly/Quarterly $1000/$1000 SURPASS 7-Year Bump *9 4.100% 4.160% Quarterly/Quarterly $1000/$1000 Seniors Only 12 Month CD 3.150% 3.150% Not Applicable/Not Applicable $500/$500 12 Month Premium CD 3.160% 3.200% Quarterly/Quarterly $50,000/$50,000 12 Month JUMBO CD 3.210% 3.250% Quarterly/Quarterly $100,000/$100,000 24 Month Premium CD 3.310% 3.350% Quarterly/Quarterly $50,000/$50,000 24 Month JUMBO CD 3.360% 3.400% Quarterly/Quarterly $100,000/$100,000 60 Month Premium CD 3.650% 3.700% Quarterly/Quarterly $50,000/$50,000 60 Month JUMBO CD 3.700% 3.750% Quarterly/Quarterly $100,000/$100,000 Retirement Account Rates Product Interest Rate APY (Annual % Yield) Dividents (Compounded/Credited) Min. Balance (Opening/Monthly) 12 Month IRA *10 3.030% 3.050% Quarterly/Quarterly $50/$50 18 Month IRA *11 3.060% 3.100% Quarterly/Quarterly $50/$50 24 Month IRA *12 3.160% 3.200% Quarterly/Quarterly $50/$50 12 Month ROTH IRA - ST 77 *11 3.030% 3.050% Quarterly/Quarterly $50/$50 12 Month ROTH IRA - ST 79 *11 3.030% 3.050% Quarterly/Quarterly $50/$50 12 Month ESA COVERDELL IRA - ST 78 *11 3.030% 3.050% Quarterly/Quarterly $50/$50

* Only For Vaild 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 excercise a one-time bump to a higher rate and add to CD at that time

*7 During the 36 month term, you may excercise a one-time bump to a higher rate and add to CD at that time

*8 Excel CD During the 60 month term, you may excercise a one-time bump to a higher rate and add to CD at that time

*9 Surpass CD During the 84 month term, you may excercise a one-time bump to a higher rate and add to CD at that time.

*10 IRA accounts federally insured to $250,000 by the NCUA, a U.S. Government Agency.

*11 IRA accounts insured to $250,000 by the NCUA, a U.S. Government Agency

*12 IRA Accounts insured to $250,000 by the NCUA, a U.S. Government Agency