SHARES (SAVINGS)

All members have an interest earning share account. A
member may make deposits as often as desired and in any amounts using
the mail, payroll deductions, direct deposit, or the Credit Union Office.
Members can make withdrawals for any amount without notice. Accounts
may be opened or converted to either single or joint accounts, which
allows any person designated as a co-owner to make deposits or withdrawals.
Members are provided with quarterly statements showing deposits, withdrawals,
interest earnings, and balances. NO TRANSACTION FEES.

9 Month Salary Distribution Accounts

An interest earning account for people who work 9 or
10 months but wish to have their salary distributed to them over 12
months. Members arrange to make deposits through payroll deductions
and then receive checks from the Credit Union during the summer months.
NO TRANSACTION FEES.

Christmas Club Accounts

Members' payroll deductions accumulate in interest earning
accounts. Checks for these savings are issued to members in early October.
NO TRANSACTION FEES.

SHARE DRAFTS (CHECKING ACCOUNTS)

Share draft accounts are interest bearing checking accounts.
Interest is earned on a "day of deposit - day of withdrawal" method
and credited to members' accounts the last day of each month. NO MINIMUM
BALANCE REQUIREMENTS AND NO TRANSACTION FEES.

ATM CARDS

MAC cards are available if you have a Credit Union checking
account. Withdrawals can be made from any automated teller machine 24
hours a day. Members receive 6 free transactions per month when using
MAC network machines. Other transactions have nominal fees. Plus the
ATM owner may charge a transaction fee.

CERTIFICATES OF DEPOSIT

Certificates of Deposit with terms of 3 months, 6 months,
1 year, and 3 years are offered to members at competitive rates.

LOANS

* Share-to-cover loans have no maximum limits.

Loan requirements: With current
employer 6 mos., acceptable credit history and debt ratio.

OTHER SERVICES

• Money orders.
• Non-interest accounts for miscellaneous office funds (ie. flower
  fund).