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DIVIDEND RATES & ANNUAL PERCENTAGE YIELD (APY'S)
Offered 11/12/2008
For current rates call 715-261-7680
Members should call the Credit Union to verify rates.

Rates as of 11/12/2008.
Rate Description Term Dividend Rates APY
Open Account 1.00% 1.00%
Kirby Kangaroo Club 1.00% 1.00%
Teen Club 1.00% 1.00%
Christmas Club 1.00% 1.00%
Share Draft Account 0.50% 0.50%
Shares (Insurance) Account 0.50% 0.50%
Funeral Trust 1.00% 1.00%
Traditional IRA Open Account 2.97% 3.00%
Roth Conversion IRA Open Account 2.97% 3.00%
Roth IRA Open Account 2.97% 3.00%
Education IRA Open Account 2.97% 3.00%
SEP IRA Open Account 2.97% 3.00%
Super Shares: $ 100 - $ 2,499.99 1.00% 1.00%
Super Shares: $2500 - $9,999.99 1.74% 1.75%
Super Shares: $10,000 - $24,999.99 1.98% 2.00%
Super Shares: $25,000 - $74,999.99 2.47% 2.50%
Super Shares: $75000 + 2.72% 2.75%

$100 minimum balance for dividends except Kirby Kangaroo Club minimum is $5.

Members should call the credit union to verify rates.
Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.

*APY = Annual Percentage Yield
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Certificates

Rates as of 11/12/2008.
Rate Description Term Dividend Rates APY
$500 minimum balance 6 month 2.03% 2.05%
$500 minimum balance 12 month 2.33% 2.35%
$500 minimum balance 24 month 2.72% 2.75%
$500 minimum balance 36 month 2.97% 3.00%
$500 minimum balance 48 month 3.06% 3.10%
$500 minimum balance 60 month 3.16% 3.20%
$10,000 minimum balance 6 month 2.67% 2.70%
$10,000 minimum balance 12 month 2.97% 3.00%
$10,000 minimum balance 24 month 3.26% 3.30%
$10,000 minimum balance 36 month 3.46% 3.50%
$10,000 minimum balance 48 month 3.65% 3.70%
$10,000 minimum balance 60 month 3.89% 3.95%
Youth CD $100 minimum balance 12 months 2.77% 2.80%
Youth CD $100 minumum balance 24 month 2.96% 3.00%
Youth Cd $100 minimum balance 36 month 3.21% 3.25%
Youth CD $100 minimum balance 48 month 3.46% 3.50%
Youth CD $100 minimum balance 60 month 3.89% 3.95%

NOTE: Early withdrawal from certificates will be subject to a 90 day dividend penalty.

Members should call the credit union to verify rates.

Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.




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