DEPOSIT RATES  Share Accounts   Rates as of September 30, 2009 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD Regular Share Quarterly $5.00 1.15% 1.15% IRA Share Quarterly $25.00 1.15% 1.15% Payable on Death Share Quarterly $5.00 1.15% 1.15% Christmas Club Quarterly $25.00 1.15% 1.15% Share Certificate Accounts**  Rates as of 10/01/2009 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD 6 Month Monthly $1,000.00 1.45% 1.46% 12 Month Monthly $1,000.00 1.70% 1.71% 18 Month Monthly $1,000.00 1.70% 1.71% 24 Month Monthly $1,000.00 2.40% 2.43% 36 Month Monthly $1,000.00 2.60% 2.63% 60 Month Monthly $1,000.00 2.70% 2.73% 12 Month JUMBO Monthly $100,000.00 1.80% 1.81% IRA Share Certificate Accounts**  Rates as of 10/01/2009 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD 6 Month Monthly $250.00 1.50% 1.51% 12 Month Monthly $250.00 1.75% 1.76% 18 Month Monthly $250.00 1.75% 1.76% 24 Month Monthly $250.00 2.45% 2.48% 36 Month Monthly $250.00 2.65% 2.68% 60 Month Monthly $250.00 2.75% 2.78% 12 Month JUMBO Monthly $100,000 1.85% 1.87%   **A dividend penalty may or will be imposed for early withdrawals, as applicable.  Dividend Rates and Annual Percentage Yield are as of the last dividend declaration date which is set forth in the rate schedule and  may change quarterly as determined by the Credit Union's Board of Directors.  Dividend Rate may change after the account is opened. Fees could reduce the earnings on the account. A Share Certificate Minimum balance of $500 is available for account holders under the age of 25.

LOAN RATES                                                               Rates as of 06/10/08   Signature Loans          AMOUNT  TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   Up to $4,999  36 Months as low as 6.20% Your interest rate is determined by your credit-worthiness.  Payments based on amount borrowed*, term, and rate determined by loan underwriting guidelines. Contact a CSE Lender for more information. *Maximum Unsecured Credit Limit not to exceed $10,000.00 per Member.   $5,000 to $14,999*  48 Months   $15,000 to $20,000* 60 Months   First Mortgage Real Estate Loans (Homes, Land or Camp)     AMOUNT  TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   Up to $10,000 60 Months Fixed at time of commitment Contact credit union for current rate and estimate of monthly payments.   $10,001 to $25,000  120 Months   $25,001 to $39,999  180 Months   $40,000 and above  240 Months   Determined by conforming Secondary Market Standards 360 Months   Share Certificate Pledge    TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   Monthly or single payment to match certificate maturity   Certificate Rate + 2% Contact credit union for current rate and estimate of monthly payments.   Automobile Loans    TYPE AMOUNT FINANCED TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to $25,000     Up to 36 months  Up to 48 Months Up to 60 months    As low as 4.75% As low as  5.00% As low  as 5.25%      Contact the Credit Union for current rate and estimate of monthly payments.     $25,001 - $35,000 Up to 72 Months As low as 5.50% Over $35,000 Up to 84 Months As low as 5.75%   Used Up to $7,000 Up to 24 Months Up to 36 Months As low as 4.50% As low as 5.00% Contact credit union for current rate and estimate of monthly payments. $7,001 to $14,000 48 Months As low as 5.25% Contact credit union for current rate and estimate of monthly payments.   $14,001    to $25,000  Over $25000 60 Months   72 Months                  As low as 5.50%   As low as 5.75%        Contact credit union for current rate and estimate of monthly payments.                                                              Heavy Duty Used Trucks Up to $10,000  36 Months As low as 5.00% Contact credit union for current rate and estimate of monthly payments.     $10,001-$15,000 48 Months As low as 5.25% Contact credit union for current rate and estimate of monthly payments.     $15,001-$24,999 60 Months As low as 5.50% Contact credit union for current rate and estimate of monthly payments.     $25,000 and Over 72 Months As low as 5.75% Contact credit union for current rate and estimate of monthly payments.   Will finance vehicles up to 7 years old Will finance 90% of Retail Value in NADA Used Car Guide, or selling price, whichever is less,  on vehicles 1-4 years old Will finance 80% of Retail Value in NADA Used Car Guide, or selling price, whichever is less,  on vehicles 5-7 years old The maximum amount loaned to members who have a clear title on a used vehicle and want to borrow against it will be the Loan Value in the NADA Used Car Guide No extra cash given on used vehicle purchase The maximum amount loaned on any refinanced vehicle where cash is added to the loan will be the Trade-In Value in the NADA Used Car Guide A worksheet is required on all vehicles, new or used, being purschased from a dealer Insurance is required   Classic Cars   Amount TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   Up to $7,000 36 Months 6.90%              $30.85 per $1,000 for 36 months   Over $7,000 48 Months 6.90%              $23.91 per $1,000 for 48 months   $18,000-$25,000 60 Months 6.90%             $19.77 per $1,000 for 60 months   Over $25,000 72 Months 6.90%             $17.01 per $1,000 for 72 months   Will finance 100% of Average value in the NADA Classic, Collectible and Special Interest Appraisal Guide. A worksheet is required on all vehicle, new or used, being purchased from a dealer  Insurance is required   Boat, Motor and Trailer Loans    TYPE TERMS   ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to 120 months (depending on amount of loan)  5.75% $30.31 per $1,000 for 36 months $23.37 per $1,000 for 48 months $19.22 per $1,000 for 60 months $14.49 per $1,000 for 84 months $10.98 per $1,000 for 120 months   Used Up to 60 months (depending on amount of loan)  5.75% $30.31 per $1,000 for 36 months $23.37 per $1,000 for 48 months $19.22 per $1,000 for 60 months   Farm, Garden & Lawn Equipment Loans    TYPE TERMS   ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to 84 months (depending on amount of loan)   8.00% $31.34 per $1,000 for 36 months $24.41 per $1,000 for 48 months $15.59 per $1,000 for 84 months   Household Appliance Loans    TYPE TERMS   ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to 36 months 10.00% $32.28 per $1,000 for 36 months   Mobile Home Loans    TYPE TERMS   ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to 20 years (depending on amount of loan)  10.50% $13.51 per $1,000 for 120 months $12.26 per $1,000 for 144 months $11.07 per $1,000 for 180 months $10.00 per $1,000 for 240 months   Used Up to 12 years (depending on age of mobile home)  12.00% $14.36 per $1,000 for 120 months $13.15 per $1,000 for 144 months   Motorcycle (including 4-wheeler) Loans    TYPE AMOUNT TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New/Used Up to $7,000 36 Months 6.25% $30.53 per $1,000 for 36 months     $7,001 to $15,000 48 Months 6.25% $23.60 per $1,000 for 48 months     Over $15,000 60 Months 6.25% $19.45 per $1,000 for 60 months   Camper and Pick-up Camper Loans    TYPE TERMS   ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to 48 Months   7.50% $24.19 per $1,000 for 48 months   Used Up to 36 Months   8.50% $31.58 per $1,000 for 36 months   RV, Motor Home and Travel Trailer Loans    TYPE AMOUNT TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to $20,000 72 Months 7.50% $17.30 per $1,000 for 72 months     $20,000 - $35,000 108 Months   $12.77 per $1,000 for 108 months     $35,000-$50,000 120 Months   $11.88 per $1,000 for 120 months     Over $50,000 144 Months   $10.56 per $1,000 for 144 months   Used   Up to 120 months (depending on age of the RV) 8.50% $20.53 per $1,000 for 60 months $15.85 per $1,000 for 84 months $12.41 per $1,000 for 120 months   Share Pledge    TERMS   ANNUAL PERCENTAGE RATE  ESTIMATED MONTHLY PAYMENT   Installments, Single Payment, or Balloon 2% above average dividend of the last two quarters  Contact credit union for current rate and estimate of monthly payments   Handicapped Equipment    TYPE AMOUNT TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   New Up to $5,000 36 Months 10.00% $32.28 per $1,000 for 36 months     Over $5,000 48 Months 10.00% $25.39 per $1,000 for 48 months   Real Estate - Interim Financing    TERMS   ANNUAL PERCENTAGE RATE  ESTIMATED MONTHLY PAYMENT   Same term as Letter of Commitment (usually 180 days)  1% above current CSE First Mortgage rate  Contact credit union for details and estimates   EQUITYFLEX Home Equity Line-of-Credit    TERMS   ANNUAL PERCENTAGE RATE  ESTIMATED MONTHLY PAYMENT   120 Months after 60-Month draw period  Wall Street Journal Prime  Contact credit union for details and estimates

A worksheet is required on all titled purchases, new or used from a dealer.  Worksheet with serial numbers are required on appliance and equipment loans.  All loans must adhere to CSE's underwriting guidelines.  Maximum loaned percentages may vary.  Amount borrowed, interest rate, and terms may be based on individual credit worthiness.  Loan policies and annual percentage rates are subject to change without notice.  Please contact a CSE Lender for more information.