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	1.0%  APY: 1.0%
Share Draft Rate	0.5%  APY: 0.5%
Share Certificate Rate	1.50% APY: 1.51%

Loan Rates
	Approx. Term	Daily Periodic Rate	Annual Percentage Rate
New Vehicle	24 months	.015068%	5.50%
	36 months	.015068%	5.50%
	48 months	.015068%	5.50%
	60 months	.015164%	5.90%
	72 months	.017808%	6.50%
Used Vehicle		.020547%	7.50%
Older Used Vehicle		.030136%	11.00%
Shares (fully secured)		.013698%	5.00%
New Furniture/Appliance		.027123%	9.90%
New Recreational Vehicle		.021917%	8.00%
Used Recreational Vehicle		.023287%	8.50%
New Computer		.027123%	9.90%
New Tractor		.035342%	12.90%
Used Tractor		.040821%	14.90%
New Motorcycle		.021917%	8.00%
Used Motorcycle		.024383%	8.90%
New Lawn Mower		.027397%	10.00%
Line of Credit		.030821%	13.90%
Rebuilding Line of Credit		.043561%	15.90%
Rebuilding Secured		.040821%	14.90%