Deposit Rates

Rates Effective as of Saturday, July 12th, 2008

Description	APR*	APY**
48 Month Share/IRA Certificate	3.74%	3.80%
36 Month Share/IRA Certificate	3.64%	3.70%
24 Month Share/IRA Certificate	3.54%	3.60%
18 Month Share/IRA Certificate	3.20%	3.25%
12 Month Share/IRA Certificate	3.06%	3.10%
6 Month Share/IRA Certificate	3.01%	3.05%
IRA	2.72%	2.75%
Money Market Checking	2.96%	3.00%
Regular Shares	1.00%	1.01%
TEXAR 1 Checking	0.50%	0.51%

* Annual Percentage Rate
** Annual Percentage Yield

NOTE: Rates are effective as of dates published and are subject to change. The minimum balance for Share/IRA Certificates is $1,000.00 and money market accounts are $2,500.00. There is a penalty for early withdrawal. Deposits are federally insured by the National Credit Union Administration. If you need further information on applicable fees and terms, please contact a member service representative.