Savings Rates and Loan Rates

Deposit Rates

Visa Cards

Vehicle & Signature Rates

Home Equity & 2nd Mortgages

IRAs

Yield Plus / Money Market Fund

Yield Plus / Money Market Checking

Other Loans

Loan Rates

Rates Effective: June 30, 2008*

*Rates are subject to change without notice, after this date.

SHARE SAVINGS ACCOUNTS	RATE*	APY**	COMPOUNDED
Regular Share Savings	0.40%	0.401%	monthly
Christmas Club Savings	0.60%	0.602%	monthly
***Traditional IRA Shares	0.40%	0.401%	monthly
***Roth IRA Shares	0.40%	0.401%	monthly
***Educational IRA Shares	0.40%	0.401%	monthly

***Annual fee applies

Yield Plus (Money Market)

YIELD PLUS (MONEY MARKET FUND)	RATE*	APY**	COMPOUNDED
$2,500 Avg. Daily Balance rate paid last month	1.50%	1.510%	monthly
$5,000 Avg. Daily Balance rate paid last month	2.40%	2.427%	monthly
Projected Rate This Month:
$2,500 Avg. Daily Balance	1.00%	1.005%	monthly
$5,000 Avg. Daily Balance	1.50%	1.510%	monthly

Yield Plus (Money Market Checking)

YIELD PLUS (MONEY MARKET CHECKING)	RATE*	APY**	COMPOUNDED
Projected Rate This Month:
$0 - $4,999 Deposit	0.40%	0.401%	monthly
$5,000 - $19,999 Deposit	1.50%	1.510%	monthly
$20,000 - $49,999 Deposit	2.00%	2.018%	monthly
$50,000 + Deposit	2.75%	2.785%	monthly

Certificate of Deposit (CD's)
Share Certificates ($500 minimum); Traditional IRA ($500 minimum), Roth IRA ($500 minimum) & Education IRA ($400 minimum) Certificates

PERIOD	RATE*	APY**	COMPOUNDED
6 months	2.75%	2.78%	monthly
12 months	2.90%	2.94%	monthly
24 months	3.15%	3.20%	monthly
36 months	3.35%	3.40%	monthly
48 months	3.50%	3.56%	monthly
60 months	3.75%	3.82%	monthly

*Annual Percentage Rate
**Annual Percentage Yield - Fees may effect APY

Certificate rates are subject to change daily. The minimum certificate purchase is $500.00 for Non-IRA, Traditional and Roth IRAs and $400.00 for Education IRAs. An additional $100.00 must be maintained in the Regular Share Account or the applicable IRA Share Account during the entire term of the certificate. Dividends on all regular and IRA certificates are compounded within the certificate each month. The early withdrawal penalty for certificates of one year or less original maturity is all earned dividends up to a maximum of 3 months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of 6 months earnings. Notice: Dividends are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.

Visa Card Rates

Card Program	Annual Percentage Rate for Purchases	Annual Membership Fee	Grace Period for Purchases
Visa Classic	13.95% (fixed)	$0.00	25 Days***
Visa Classic "Choice"	11.95% (fixed)	$25.00	25 Days***
Visa Gold	10.95% (variable)**	$0.00	25 Days***
Visa Gold "Choice"	8.95% (variable)**	$45.00	25 Days***

The method for computing the balance for purchases is the average daily balance including new purchases. Because rates and terms are subject to change, you may contact us for the most current information by writing us at PO Box 547, Arvada CO 80001 or by calling us at 303-424-5037.Annual Percentage Rate for Cash Advances is as follows: Visa Classic 15.95% (Fixed) Visa Classic "Choice" 13.95% (Fixed) , Visa Gold 12.20% (Variable) Visa Gold "Choice" 10.20%.** Variable Rate Information. Your Annual Percentage Rate may vary. The rate is determined by adding a percentage (as indicated below) to the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and rounded to the nearest hundredth. The Visa Gold Rate for Purchases - Prime + 4.45%, for Cash Advance - Prime + 6.45%.Visa Gold "Choice" Rate for Purchases - Prime + 2.45%, for Cash Advances - Prime + 4.45%.***A Finance charge will imposed on Credit Purchases only if elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 Days from the closing date on that statement. A Finance Charge will be assessed on Cash Advances from the date of the Cash Advance, or the first day of the billing cycle in which the Cash Advance posted, which ever is later, and will continue to accrue interest until payment in full is made. Late payment fee is $15.00.

Personalized Lending Rates

Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, as low as with approved credit.

		APR*
New Vehicles	Cars, Trucks, RVs, Boats as low as	5.59%
Used Vehicles	Cars, Trucks, RVs, Boats as low as	5.64%
Motorcycle Loans	as low as	7.54%
Recreational Vehicle Loans	as low as	8.54%
Signature Loans	Loan Period
	24 months, as low as	10.79%
	36 months, as low as	11.29%
	48 months, as low as	11.79%

Home Equity and Second Mortgage Loans

		80% LTV APR*	90% LTV APR*	100% LTV APR*
5 Year Fixed 2nd Mortgage, as low as	Owner Occupied	5.59%	5.59%	5.59%
6 Year Fixed 2nd Mortgage, as low as	Owner Occupied	5.59%	5.59%	5.59%
7 Year Fixed 2nd Mortgage, as low as	Owner Occupied	5.59%	5.59%	5.59%
10 Year Fixed 2nd Mortgage, as low as	Owner Occupied	5.59%	5.59%	5.65%
12 Year Fixed Mortgage, as low as	Owner Occupied	5.59%	5.70%	5.85%
15 Year Variable Line of Credit, as low as	Home Equity Line of Credit Prime plus or minus based on personalized lending	call for rate	call for rate	call for rate

Loans Not Included in Personalized Lending

Share Draft Line of Credit	14.00%	APR*
Share Secured Margin Variable Rate	1.75%	Over Share Rate

Fixed Rate	Floor: 5.59%	Ceiling: 18.00%
Variable Rate	Floor: 6.25%	Ceiling: 18.00%

* APR - Annual Percentage Rate