Shareholder Dividend Rates

Report To Shareholders - 1st Quarter 2010
Declaration of Dividends

Share Types	Range	Rate	Annual % Yield
IRA's	All Balances	1.25%	1.26%
Share Drafts	All Balances	0.01%	0.01%
Savings Accounts	$0.00-$24.99	0.01%	0.01%
(All types by $ range)	$25.00-$999.99	0.25%	0.25%
(All types by $ range)	$1000.00-$4,999.99	0.50%	0.50%
	$5000.00-$9,999.99	0.75%	0.75%
	$10,000.00-49,999.99	1.00%	1.00%
	$50,000.00 and over	1.10%	1.11%

We calculate your average daily balance each month (separately for each share type). That balance will determine your Range, Rate and Dividend for that month. Your quarterly dividend for each share type is the sum of the 3 monthly dividends calculated. Your shares are insured to $250,000.00 by the NCUSIF (National Credit Union Share Insurance Fund.