SHARE / SAVINGS RATES:
For the quarter ending December 31, 2011

Regular Shares & Club Accounts:	APR	APY
$0.00 - 149.99	0.00%	0.00%
$150.00 - $499.99 00	0.10%	0.10%
$500.00 - $2499.99	0.15%	0.15%
$2500.00 - 24,999.99	0.20%	0.20%
$25,000.00 +	0.30%	0.30%
Vacation Share Accounts:
$0.00 - $4.99	0.00%	0.00%
$5.00 +	0.10%	0.10%
IRA Accounts:
$0.00 - $49.99	0.00%	0.00%
$50.00 - $24,999.99	0.50%	0.51%
$25,000.00 - $49,999.99	0.55%	0.56%
$50,000.00 +	0.60%	0.61%
Calculations are based upon the members’ average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.
SHARE CERTIFICATES (CD’s):

CD rates change on a daily basis. Please contact the Credit Union at 716-662-6133 for today’s rate. Minimum balance to open a CD is $500. Calculation is based upon the member’s average balance during the term of the CD. Dividends are disbursed and compounded on the day of maturity. Terms range from 30 days – 1 year.

*Penalty for early withdrawal will be the 30 days of accrued dividends. Fees may reduce earnings.

Rate Information: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share accounts, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and Annual percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.