*Annual percentage yields (APY) are accurate as of 07/01/2008 and are subject to change at any time and without notice.  The annual percentage rate (APR) is as follows: 24 month —4.170%.  Minimum opening deposit is $5,000.00.  There is a 30 day interest penalty for early withdrawal.  Offers available for business, personal and IRA accounts.  Share accounts are insured by the National Credit Union Administration (NCUA) up to $100,000 and IRA accounts are insured up to $250,000 by the NCUA, and backed by the full faith and credit of the United States Government.