¹ Annual Percentage Yield.
² Minimum balance to open IRA Certificates is 500 USD. Certificate dividends are compounded daily and credited monthly. Early withdrawal penalties apply.
See ‘Schedule of Fees & Service Charges’ for further details.
Rates are subject to change without prior notice.

Note: The Board of Directors has declared a 1.00% Bonus Dividend and a 1.00% Interest Refund for 2009.

¹ Annual Percentage Yield.
² Minimum balance to earn dividends on Money Market Accounts is 2,500 USD.
See Schedule of Fees & Service Charges for further details.
Rates are subject to change without prior notice.

Rates are subject to change without prior notice. Current WSJ Prime is 3.25%

¹ All rates quoted are annual percentage rates (APR). Rates quoted are for ‘A’ credit members. Creditworthiness will determine actual APR.
² There is no annual fee for VISA Student, VISA Classic and VISA Gold credit cards. The annual fee for VISA Platinum Access is 50 USD.
³ The introductory rate period for VISA Student, VISA Classic, Visa Gold and VISA Platinum is six (6) months.
⁴ The current indexed APR for VISA credit cards is determined by adding the listed margin to the Wall Street Journal Prime as published on the last day of the preceding month of each billing cycle.
⁵ 1.99% fixed rate only valid on new and used vehicles in US and Austria with a 20% down payment up to 36 months. 2.99% fixed rate valid for new and used vehicles in US and Austria up to 36 months with no money down. 3.99% fixed rate valid for new and used vehicles in US and Austria up to 48 months with no money down. 4.99% fixed rate valid for new and used vehicles in US and Austria above 48 months with no money down. All advertised rate valid until 6 September 2010 and for qualified borrowers only.