Personal Accounts We designed our products & services with YOU in mind!

This account was designed for our members looking for a low maintenance, personal checking account. No hassle, no requirements. Just purchase your checks and enjoy the simple life!

• No monthly service charge
• Non-dividend bearing
• Unlimited check writing
• Members under 25 get 1 free box of checks per calendar year

Experience the Ultimate Advantage in Checking! This electronically based account offers monthly dividends with the opportunity to receive an additional bonus dividend each month. You could earn up to 4.01% APY! Plus you can earn ATM fee reimbursement up to $12.00 per month just for meeting the simple monthly requirements.

Meet these simple monthly requirements:

1. Receive electronic statements (e-Statements) and notifications
2. Receive payroll deduction or direct deposit
3. Access your account online at least once a month
4. Perform at least 15 debit card transactions per month

How it works: If you receive electronic statements and notifications, you will receive a monthly dividend of 0.25%. If you meet all the monthly requirements listed above, you will receive an e-Xtra Bonus dividend of 3.94%. Plus, you will get your foreign ATM fees reimbursed up to $12.00.

*All accounts must be in good standing. The e-Xtra Bonus Checking account is a tiered rate account. If your Average Daily Balance is from $1.00 to $20,000 and you meet all of the following minimum service requirements during the calendar month, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply: 1) you have at least 15 posted debit card transactions (excluding ATM transactions); 2) you have at least one (1) direct deposit/payroll transactions to your e-Xtra Bonus Checking account; 3) you log on the e-Access by 2 p.m. CT on the last day of the month; and 4) you receive e-statements and e-notices. If your balance is greater than $20,000 and you meet all of the minimum service requirements, the second Dividend Rate and range of Annual Percentage Yields listed for this account will apply. Each rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum service requirements during a calendar month, the third Dividend Rate and Annual Percentage Yield listed for this account will apply to the entire balance in the account. If for some reason we are unable to electronically deliver e-statements and/or e-notices, your e-Xtra Bonus Checking will be automatically converted to a Basic Checking account and dividends will be forfeited. ATM fee reimbursement up to $12. We may limit the number of e-Xtra Bonus Checking accounts an individual is allowed.

Information and Rates accurate as of 8/31/2011

Looking for the checking account with all the bells & whistles? This luxury checking account has all of the amenities and extra perks you could ask for.

• $5 Monthly service fee (Free for members age 50 and over!)
• Dividends paid monthly on average daily balances of $500 or greater
• 0.25% Decrease on Personal Installment Loans
• 0.25% Increase on Share Certificate and IRA Certificate Rates
• 10% Discount on safe deposit boxes
• 50¢ Discount on traveler's checks, Visa gift cards, gift checks, money orders & corporate checks
• 1 FREE box of checks per calendar year

Rates are subject to change at any time without notification. Dividends are forfeited if account is closed prior to payment. Discounted loan rate cannot exceed the interest floor rate and excludes Visa and Mortgages. 0.25% Rate increase for Pelican Preferred Account Holders is not eligible for Certificate & IRA Specials. Safe deposit boxes are not available at all locations.

• No minimum balance required to earn dividends
• High dividends paid monthly
• No monthly service charge
• Several contribution options available
• Distributions can be used for qualified medical expenses
• Opening restrictions do apply. Member must have a high deductible health plan (HDHP)

*Dividends are forfeited if account is closed prior to payment.