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DIVIDEND RATES & ANNUAL PERCENTAGE YIELD (APY'S)
Offered 7/13/2010
For current rates call 715-261-7680
Members should call the Credit Union to verify rates.

Rates as of 7/13/2010.
Rate Description Term Dividend Rates APY
Open Account Quarterly 0.35% 0.35%
Kirby Kangaroo Club Quarterly 0.40% 0.40%
Teen Club Quarterly 0.40% 0.40%
Christmas Club Quarterly 0.35% 0.35%
Share Draft Account Monthly 0.20% 0.20%
Shares (Insurance) Account Quarterly 0.20% 0.20%
Funeral Trust Quarterly 0.25% 0.25%
Traditional IRA Open Account Quarterly 0.99% 1.00%
Roth Conversion IRA Open Account Quarterly 0.99% 1.00%
Roth IRA Open Account Quarterly 0.99% 1.00%
Education IRA Open Account Quarterly 0.99% 1.00%
SEP IRA Open Account Quarterly 0.99% 1.00%
Super Shares: $ 100 - $ 2,499.99 Monthly 0.35% 0.35%
Super Shares: $2500 - $9,999.99 Monthly 0.65% 0.65%
Super Shares: $10,000 - $24,999.99 Monthly 0.95% 0.95%
Super Shares: $25,000 - $74,999.99 Monthly 1.05% 1.05%
Super Shares: $75000 + Monthly 1.15% 1.15%

$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 7/13/2010.
Rate Description Term Dividend Rates APY
$500 minimum balance 6 month 0.75% 0.75%
$500 minimum balance 12 month 1.00% 1.00%
$500 minimum balance 24 month 1.24% 1.25%
$500 minimum balance 36 month 1.54% 1.55%
$500 minimum balance 48 month 1.84% 1.85%
$500 minimum balance 60 month 2.14% 2.15%
$10,000 minimum balance 6 month 0.75% 0.75%
$10,000 minimum balance 12 month 1.00% 1.00%
$10,000 minimum balance 24 month 1.34% 1.35%
$10,000 minimum balance 36 month 1.64% 1.65%
$10,000 minimum balance 48 month 1.94% 1.95%
$10,000 minimum balance 60 month 2.34% 2.35%
Youth CD $100 minimum balance 12 months 1.00% 1.00%
Youth CD $100 minumum balance 24 month 1.25% 1.25%
Youth Cd $100 minimum balance 36 month 1.55% 1.55%
Youth CD $100 minimum balance 48 month 1.85% 1.85%
Youth CD $100 minimum balance 60 month 2.15% 2.15%

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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