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IRA/Education Accounts

Accounts (these rates will be effective 07/29/10 to 08/0410)

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Account Type	Rate	APY*	Requirements
Certificates of Deposit
1-5 months CD	0.70%	0.70%	$1000 minimum
6-12 months CD	1.00%	1.00%	$1000 minimum
CD Special! 7 months	1.10%	1.10%	$1000 minimum
CD Special! 9 months	1.19%	1.20%	$1000 minimum
13-17 months CD	1.29%	1.30%	$1000 minimum
CD Special! 15 months	1.64%	1.65%	$1000 minimum
18-24 months CD	1.69%	1.70%	$1000 minimum
CD Special! 25 months	1.99%	2.00%	$1000 minimum
25-30 months CD	1.89%	1.90%	$1000 minimum
CD Special! 39 months	2.67%	2.70%	$1000 minimum
31-41 months CD	2.23%	2.25%	$1000 minimum
42-48 months CD	2.63%	2.65%	$1000 minimum
49-60 months CD	2.87%	2.90%	$1000 minimum
Bump-Up CD - 30 months	2.38%	2.40%	$1000 minimum
Add-On CD - 12 months	1.39%	1.40%	$500 minimum
Jumbo CD - 7 months	1.29%	1.30%	$100,000 minimum
Jumbo CD - 15 months	1.84%	1.85%	$100,000 minimum
Jumbo CD - 25 months	2.18%	2.20%	$100,000 minimum
Jumbo CD - 39 months	2.87%	2.90%	$100,000 minimum
U.B.U. CD - 12-60 months	1.29%	1.30%	$100 minimum
KIRBY® CD - 12-60 months	1.29%	1.30%	$100 minimum
Money Market Accounts
Family Fund	0.60%	0.60%	$1000 minimum
Traditional Money Market	0.60%	0.60%	$1000 minimum
Premier Money Market	0.70%	0.70%	$25,000-$49,999
	0.90%	0.90%	$50,000-$99,999
	1.20%	1.21%	$100,000+
Savings Accounts
Member Equity Savings	0.50%	0.50%	$50.00 minimum
Share Savings	0.00%	0.00%	$0-$49.99
Share Savings	0.25%	0.25%	$50.00 minimum
HSA Savings	1.50%	1.51%
HSA Checking/Share Draft	0.10%	0.10%
KIRBY® Children's Savings	0.50%	0.50%	$5.00 minimum
U.B.U. Teen Savings	0.50%	0.50%	$5.00 minimum
IRA Savings	0.60%	0.60%	$50.00 minimum
Share Drafts	0.10%	0.10%
Holiday Club	0.50%	0.50%
*APY = Annual Percentage Yield. Dividends on Savings are compounded monthly. Interest on Certificates is compounded quarterly. Penalty may be imposed for early withdrawal of Certificates. Withdrawal of earnings could reduce APY.

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