Your savings are federally insured up to $100,000 by the National Credit Union Share Insurance Fund (NCUSIF), which is administered by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the U.S. government.

If you have an IRA with OnPoint, it’s insured up to an additional $250,000. For more information about the insurance that protects your deposits, you’ll find these publications helpful. How Your Accounts Are Insured is an overview of NCUA insurance. Your Insured Funds is a more detailed review of this subject. Of course you are always welcome to call us, or stop by any branch, to discuss this important topic.

* Premium rates require $5,000 new money to OnPoint and Direct Deposit to a new or existing OnPoint checking account. Exclusive of all other Certificate of Deposit promotions.

**Annual Percentage Yield as of 8/1/08 and subject to change. Requires $5,000 new money to OnPoint and Direct Deposit to a new or existing OnPoint Checking account.

Notes:
Early withdrawal fees apply. See Truth-in-Savings disclosure for complete terms.

* Minors 17 or younger opening a 3, 6, 12, 18, or 24 month Certificate of Deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed.

**Annual Percentage Yield as of 8/1/08 and subject to change.

» Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.

* Premium rates require $5,000 new money to OnPoint and Direct Deposit to a new or existing OnPoint checking account. Exclusive of all other Certificate of Deposit promotions.

**Annual Percentage Yield as of 8/1/08 and subject to change. Requires $5,000 new money to OnPoint and Direct Deposit to a new or existing OnPoint Checking account.

**Annual Percentage Yield as of 8/1/08 and subject to change.

» Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers. Subsequent deposits are allowed only on Roth and Traditional IRA Certificates of Deposit.

Note:
This Deposit Rate Sheet sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, IRA, and Certificate of Deposit Accounts at OnPoint at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement. The Truth-in-Savings Disclosure and the Annual Withdrawal Certificate of Deposit Truth-in-Savings Disclosure are available for viewing online. Early withdrawal fees apply. See Truth-in-Savings disclosure for complete terms. Federally insured by NCUA.