Rates

* Annual Percentage Rate **Annual Percentage Yield

Share Rates (Effective April 4, 2008)
Shares	APR*	APY**	Requirements	Dividends Paid
Master Shares	0.75%	0.76%	If over $50.00 balance	monthly
Other Shares	0.75%	0.76%	If over $50.00 balance	monthly
Kirby Kangaroo	0.75%	0.76%	If over $50.00 balance	monthly
Holiday Spending	1.00%	1.01%	If over $50.00 balance	monthly
Health Savings	0.75%	0.76%	$5.00-$499.99	monthly
	1.00%	1.01%	$500.00-$2,499.99	monthly
	1.50%	1.51%	$2,500.00-$4,99.99	monthly
	2.00%	2.02%	$5,000.00-$14,999.99	monthly
	2.50%	2.53%	$15,000.00 and above	monthly
Share Draft	0.00%	n/a	n/a	n/a
Snowbird	0.35%	0.36%	$500.00 minimum balance	monthly
Non-Stop	1.00%	1.01%	$2,500.00 - $9,999.99	monthly
	1.25%	1.26%	$10,000.00- 24,999.99	monthly
	1.75%	1.76%	$25,000 - $49,999.99	monthly
	2.00%	2.02%	$50,000.00 - 99,999.99	monthly
	2.50%	2.53%	$100,000.00 and over	monthly
IRA Shares	1.25%	1.26%	$5.00-$2,499.99	monthly
	1.50%	1.52%	$2,500.00 - $9,999.99	monthly
	2.00%	2.02%	$10,000.00 - 24,999.99	monthly
	2.25%	2.27%	$25,000.00-$49,000.99	monthly
	2.50%	2.53%	$50,000.00-$99,999.99	monthly
	2.75%	2.79%	$100,000.00 and above	monthly

Certificates (Effective April 4, 2008)
Certificates	APR*	APY**	Requirements	Dividends Paid
6-Month Certificate	2.50%	2.50%	$500 Minimum Balance	Maturity
12-Month Certificate	2.70%	2.73%	$500 Minimum Balance	Quarterly
24-Month Certificate	3.00%	3.03%	$500 Minimum Balance	Quarterly
36-Month Certificate	3.25%	3.29%	$500 Minimum Balance	Quarterly
Pick a term 48-60 month Certificate	3.35%	3.39%	$500 Minimum Balance	Quarterly
6-Month IRA Certificates	2.50%	2.50%	$500 Minimum Balance	Maturity
12-Month IRA Certificate	2.70%	2.73%	$500 Minimum Balance	Quarterly
24-MOnth IRA Certificate	3.00%	3.03%	$500 Minimum Balance	Quarterly
36-Month IRA Certificate	3.25%	3.29%	$500 Minimum Balance	Quarterly
Kirby Kangaroo 12 Month Certificate	2.70%	2.73%	$100 minimum balance	Quarterly

Consumer Loans (Effective June 11, 2008)
Credit Rating	750+	749-700	699-650	649-600	599-550	<550
Auto Loans
New to 2005 Models	APR*	APR*	APR*	APR*	APR*	APR*
24 Month	4.90%	5.15%	5.75%	7.50%	10.00%	14.00%
36 Month	5.15%	5.40%	6.00%	7.75%	10.25%	14.25%
48 Month	5.40%	5.65%	6.25%	8.00%	10.50%	14.50%
60 Month	5.65%	5.90%	6.50%	8.25%	1075%	14.75%
72 Month	6.15%	6.40%	7.00%	8.75%	11.25%	15.25%
2004 - Older**	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	5.75%	6.00%	6.50%	8.00%	10.00%	14.00%
24 Month	6.00%	6.25%	6.75%	8.25%	10.25%	14.25%
36 Month	6.25%	6.50%	7.00%	8.50%	10.50%	14.50%
48 Month	6.50%	6.75%	7.25%	8.75%	10.75%	14.75%
60 Month	7.00%	7.25%	7.75%	9.25%	11.25%	15.25%
** vehicles with over 100,000 miles max term 36 months ** vehicles with over 70,000 miles max term 48 months
Unsecured Signature
	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	8.00%	9.00%	10.00%	13.50%	18.00%	18.00%
24 Month	8.50%	9.50%	10.50%	14.00%	18.00%	18.00%
36 Month	9.50%	10.50%	11.50%	15.00%	18.00%	18.00%
Personal Line of Credit  (Variable Rate Feature)
	APR*	APR*	APR*	APR*	APR*	APR*
	9.25%	9.75%	10.25%	13.25%	18.00%	18.00%
Recreational Vehicles and Equipment
New	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	5.25%	5.40%	6.00%	7.50%	9.50%	13.50%
24 Month	5.50%	5.65%	6.25%	7.75%	9.75%	13.75%
36 Month	5.75%	5.90%	6.50%	8.00%	10.00%	14.00%
48 Month	6.00%	6.15%	6.75%	8.25%	10.25%	14.25%
60 Month	6.25%	6.40%	7.00%	8.50%	10.50%	14.50%
84 Month	6.75%	6.90%	7.50%	9.00%	11.00%	15.00%
Used	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	5.50%	5.65%	6.25%	7.75%	9.75%	13.75%
24 Month	5.75%	5.90%	6.50%	8.00%	10.00%	14.00%
36 Month	6.00%	6.15%	6.75%	8.25%	10.25%	14.25%
48 Month	6.25%	6.40%	7.00%	8.50%	10.50%	14.50%
60 Month	6.75%	6.90%	7.50%	9.0%	11.00%	15.00%
84 Month	7.25%	7.40%	8.00%	9.50%	11.50%	15.50%

Home Equity Loans (Effective February 15, 2008)
Member Credit Score
		750+	749-700	699-650	649-600	550-599	<500
2nd Mortgage		APR*	APR*	APR*	APR*	APR*	APR*
5 yr	80% LTV*	5.95%	6.20%	6.75%	7.75%	9.25%	10.75%
	100% LTV*	6.45%	6.70%	7.25%	8.25%	10.25%	11.75%
10 yr	80% LTV*	6.25%	6.75%	7.25%	8.75%	9.75%	11.50%
	100% LTV*	7.00%	8.25%	8.75%	9.75%	10.75%	12.50%
Home Equity LOC**		01/01/08 PRIME 7.25%
	80% LTV*	5.75%	6.25%	7.25%	7.75%	8.75%	9.75%
	100% LTV*	6.75%	7.25%	8.25%	8.75%	9.75%	10.75%
*Loan-to-Value
**Prime determined Jan. 1 & July 1 each year
Rates are variable and may change semiannually on 2/15 and 8/15

Other Loans (Effective October 18, 2007)
Type	Term	APR*
Airplane	60 months	6.99%
	120 months	8.49%
Line-of-Credit/Overdraft Protection	N/A	18.00%
Visa Credit Card	N/A	14.40%