Personal Checking

Personal Checking Plans	Traditional (S9)	Freedom (S10)	Money Market (S11)
Interest Bearing	.1% APY	.1% APY	.25% APY
Minimum Balance to Earn Interest	No Minimum	$1000.00	$2500.00
Minimum Balance Fee	None	None	$12.00
Canceled Checks Returned or SafeKept	SafeKept	Images Returned	Images Returned
Overdraft Protection Available	Yes	Yes	Yes
Instant Cash Card	Free	Free	Free
Instant Cash and Check Card **	Free with 3 POS Transactions / Month	Free with 3 POS Transactions / Month	Free with 3 POS Transactions / Month
Voice Response Telephone Calls and CU Anytime Online	Free - Unlimited	Free - Unlimited	Free - Unlimited
Effective 3-1-2010

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Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA), $250,000 as of October 3, 2008. The Emergency Economic Stabilization Act of 2008 increased the insurance coverage on all accounts up to $250,000 until December 31, 2009.

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