Competitive Loan Rates

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Effective: April 30, 2008

Collateral	Approximate Term	Annual % Rate
Secured Loans	1 - 84 Months	5.50% - 18.00%*
Share Secured	36 Months	5.49%
Certificate of Deposit Secured	36 Months	Plus 3.00%
Personal Loan	36 Months	7.95% - 18.00%*
Home Equity Loans/Lines of Credit	Varied by Product	4.00% - 10.00%*
Credit Cards	Click here for latest rates and selection of available credit cards.

* Rate you receive will be determined by credit worthiness. Rates also dependent on term of loan. Auto loan floor rate includes all applicable loyalty discount offers.
**The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (index) plus 3%. The Certificate must be renewed until the advance is completely paid. Failure to renew will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid. The annual percentage rate and daily periodic rate will be disclosed on the voucher at the time of the advance. APR cannot exceed 18%.

The ANNUAL PERCENTAGE RATE you receive for the subaccount will be within the range disclosed above and is based on certain credit-worthiness criteria. Ask the credit union for the rate you qualify for.

DEPOSIT PRODUCTS: Rates accurate as of May 8, 2008

HIGH YIELD CHECKING ACCOUNT

Less than
$25,000
Rate APY
0.20% 0.20%

$25,000-
$49,999
Rate APY
0.93% 0.93%

$50,000-
$149,999
Rate APY
1.14% 1.15%

$150,000+

Rate APY
1.79% 1.80%

Unlimited check writing. Monthly service charge of $9.00 if average daily balance falls below $1,500. No per check charges. Free Overdraft or Non-sufficient funds fee refund - two (2) per year. Free outgoing wire transfer - domestic or international.

COASTAL PREMIUM SHARE DRAFT CHECKING ACCT.

Account Balances

Less than
$10,000
Rate APY
0.05% 0.05%

$10,000-
$24,999
Rate APY
0.15% 0.15%

$25,000+

Rate APY
0.20% 0.20%

If the monthly average balance falls below $2,500, the rate/APY will be 0.00%. These are tiered accounts so as the account balance increases, the entire balance earns the higher rate. Dividends will be credited and compounded to your account monthly.

SHARE SAVINGS ACCOUNTS

Account Balances

Less than
$25,000
Rate APY
0.10% 0.10%

$25,000-
$49,999
Rate APY
0.20% 0.20%

$50,000+

Rate APY
0.30% 0.30%

The minimum to open is $5.00. Dividends will be compounded and credited to your account quarterly. Six withdrawals monthly with a $10 fee for each withdrawal on excess of 6 per month. These are tiered accounts so as the account balance increases the entire balance earns the higher rate. These are the anticipated rates and APY's for the period Apr.1 to June 30, 2008

CHRISTMAS CLUB ACCOUNTS
The anticipated dividend rate for the period 11/01/2007 to 10/31/2008 is 0.10% with an anticipated Annual Percentage Yield of 0.10%.

Dividends will be credited to your account annually. The dividend rate and APY may change at any time. The Board of Directors, based upon the earnings of the Credit Union, declares the annual dividend rate.

HIGH YIELD MONEY MARKET DEPOSIT ACCOUNT

Less than
$25,000
Rate APY
0.40% 0.40%

$25,000-
$49,999
Rate APY
1.43% 1.44%

$50,000-
$149,999
Rate APY
1.64% 1.65%

$150,000+

Rate APY
2.29% 2.31%

Six (6) withdrawals monthly with a $10.00 charge per withdrawal over 6 per month. These are tiered and not separate accounts. As the account balance increases, the entire balance earns the higher rate. Interest will be compounded daily. Interest will be credited to your account monthly. The interest rate and annual percentage yield may change at any time.If the monthly average balance falls below $2,500, the rate will be 0.10% with an APY of 0.10%.

HIGH YIELD BUSINESS MONEY MARKET DEPOSIT ACCOUNT

Less than
$25,000
Rate APY
0.40% 0.40%

$25,000-
$49,999
Rate APY
1.43% 1.44%

$50,000-
$149,999
Rate APY
1.64% 1.65%

$150,000+

Rate APY
2.29% 2.31%

CONSUMER MONEY MARKET ACCOUNT (accts opened before 5/1/08)

Relationship Level:

Less than
$25,000
Rate APY
0.20% 0.20%

$25,000-
$74,999
Rate APY
1.29% 1.30%

$75,000+

Rate APY
1.79% 1.80%

Minimum balance required to open this account is $2,500. Six withdrawals monthly with a $10.00 charge per withdrawal over 6 per month. These are tiered and not separate accounts. As the account balance increases, the entire balance earns the higher rate. Interest will be compounded daily. Interest will be credited to your account monthly. The interest rate and annual percentage yield may change at any time.

CERTIFICATES OF DEPOSIT/IRA CERTIFICATES

Deposit
amount:

$500

$2,500-24,999

$25,000-$50,000

$50,000+

Add-ons
allowed:

$250 minimum

Terms

Rate APY

6 months

1.39% 1.40%

1.64% 1.65%

1.89% 1.91%

2.14% 2.16%

12 months

1.60% 1.61%

1.85% 1.87%

2.10% 2.12%

2.35% 2.37%

24 months

2.04% 2.06%

2.29% 2.31%

2.54% 2.57%

2.69% 2.72%

48 months

2.24% 2.26%

2.49% 2.52%

2.74% 2.77%

2.89% 2.93%

60 months

2.78% 2.82%

3.03% 3.07%

3.28% 3.33%

3.43% 3.48%

*Annual Percentage Yield (APY): A percentage rate reflecting the total amount of interest paid on an account based on the interest rate and compounding for a 365-day period. The APY assumes funds will remain on deposit for a full year at the advertised rate. A penalty may be imposed for early withdrawal. The minimum daily balance to open the account and to earn the APY is illustrated. Interest will be compounded and credited to your account monthly. The interest rate and APY may change at any time.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Relationship Level:

Less than
$25,000
Rate APY
0.10% 0.10%

$25,000-
$49,999
Rate APY
1.26% 1.27%

$50,000+

Rate APY
1.52% 1.53%

The minimum balance required to open this account is $25.00. These are tiered products. As the account balance increases, the entire balance earns the higher rate. Dividends will be calculated from the date of deposit to the date of withdrawal, compounded and credited to your account quarterly. The Board of Directors, based upon the earnings of the Credit Union, declares the dividend rate. These are the anticipated dividend rates and ANNUAL PERCENTAGE YIELDS for the period
Apr. 1 to Jun. 30, 2008.

HEALTH SAVINGS ACCOUNTS (HSAs)

Relationship Level:

Less than
$25,000
Rate APY
0.10% 0.10%

$25,000-
$49,999
Rate APY
1.26% 1.27%

$50,000+

Rate APY
1.52% 1.53%

For further information about applicable minimum balance requirements, fees and terms, refer to the Important Account Information to Our Members disclosure booklet or contact a Financial Service Representative at (941) 907-4000.