If you have any questions or require current rate information on your accounts, please call your Credit Union at (850) 526-4470.

Last Dividend Declaration Date

March 30, 2007       (APY definition Annual Percentage Yield)

APY = Annual Percentage Yield

The dividend rates and APY's listed above for a share/savings, sharedraft, and money market accounts were the rates paid on the last dividend declaration date set forth above. They are compounded monthly, based on the daily balance. These dividend rates and APY's may change every month, as determined by the Board of Directors (APY assumes all dividends are reinvested.) Account balance must have a minimum balance of $100.00 to earn dividends. For accounts with tiered rates, if the average daily balance in the account is equal to or exceeds the minimum tier amount, the dividend rate and APY will be paid on the entire balance in the account. Dividends are paid from current Income and available earnings, after the required transfers to reserves at the end of the dividend period. Fees and other conditions could reduce the earnings. A penalty will be imposed for early withdrawal of Share Certificates. Share accounts are Insured Up to $100,000 by the National Credit Union Insurance Fund, an Independent agency of the United States Government.

Share Rate	.50% APY: .50%
Share Draft Rate	0%  APY: 0%
Share Certificate Rate	.65% APY: .65%

Loan Rates
	Approx. Term	Annual Percentage Rate	Daily Periodic Rate
New Vehicle	72 months	5.99%	.016164%
	60 months	5.49%	.015041%
	48 months	5.00%	.013698%
	36 months	5.00%	.013698%
	24 months or less	5.00%	.013698%
Program Vehicle	72 months or less	5.99%	.016164%
Used Vehicle	60 months or less	7.50%	.020547%
Older Used Vehicle	36 months or less	11.00%	.030136%
New Title Secured (non-auto/non-motorcycle)	180 months or less	7.50%	.020547%
Used Title Secured (non-auto/non-motorcycle)	120 months or less	8.00%	.021917%
New Motorcycles	72 months or less	7.50%	.020547%
Used Motorcycles	60 months or less	8.00%	.021917%
Non-Titled Secured	60 months or less	9.50%	.026027%
Open End Line of Credit	Varies	13.90%	.038082%
Rebuilder Open End Loan	Varies	15.90%	.043561%
Rebuilder Secured	Up to 60 months	14.90%	.040821%
Special Unsecured	Varies	18.00%	.049315%
Match Rate (auto/title secured)	Varies	Varies	Varies
Bill Consolidation	Up to 120 months	10.00%	.027397%