DEPOSIT RATES  Share Accounts   Rates declared as of June/15/2010 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD Regular Share Quarterly $5.00 0.55% 0.55% IRA Share Quarterly $25.00 1.15% 1.15% Payable on Death Share Quarterly $5.00 0.55% 0.55% Christmas Club Quarterly $25.00 0.55% 0.55%               Money Market Deposit Accounts*** Rates declared as of June/15/2010  ACCOUNT TIER  DIVIDEND FREQUENCY MINIMUM OPENING BALANCE  DIVIDEND RATE*** ANNUAL PERCENTAGE YIELD***  $2,500.00-$9,999.99 Monthly  $2,500.00  0.55%  0.55%    $10,000.00-$24,999.99  Monthly $2,500.00  0.55%  0.55%   $25,000.00-$49,999.99 Monthly  $2,500.00  0.65%   0.65%   $50,000.00-$99,999.99 Monthly   $2,500.00  0.75% 0.75%   $100,000.00-and over Monthly  $2,500.00  0.90% 0.90%            ****A minimum deposit of $2,500.00 will be required to open an account and to maintain the account.  A tiered account structure will be used in order to retain higher account balance in return for a higher rate of interest.  Click here for Truth in Savings Account Disclosure for fees and account requirements associated with Money Market Deposit Accounts.             Share Certificate Accounts**  Rates declared as of 07/15/2010 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD 6 Month Monthly $1,000.00 1.05% 1.06% 12 Month Monthly $1,000.00 1.25% 1.26% 18 Month Monthly $1,000.00 1.35% 1.36% 24 Month Monthly $1,000.00 1.75% 1.76% 36 Month Monthly $1,000.00 2.25% 2.27% 60 Month Monthly $1,000.00 2.50% 2.53% 12 Month JUMBO Monthly $100,000.00 1.35% 1.36% IRA Share Certificate Accounts**  Rates as of 07/15/2010 ACCOUNT TYPE DIVIDEND FREQUENCY MINIMUM BALANCE DIVIDEND RATE ANNUAL PERCENTAGE YIELD 6 Month Monthly $250.00 1.10% 1.11% 12 Month Monthly $250.00 1.30% 1.31% 18 Month Monthly $250.00 1.40% 1.41% 24 Month Monthly $250.00 1.80% 1.81% 36 Month Monthly $250.00 2.30% 2.32% 60 Month Monthly $250.00 2.55% 2.58% 12 Month JUMBO Monthly $100,000 1.40% 1.41%   **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 age 25 and under.

LOAN RATES                                                               Rates as of 01/13/10   Signature Loans          AMOUNT  TERMS ANNUAL PERCENTAGE RATE ESTIMATED MONTHLY PAYMENT   Up to $3,500.00  36 Months as low as 6.90% 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. Minimum loan request will not be less than $500.00 *Maximum Unsecured Credit Limit not to exceed $10,000.00 per Member.   $3,501.00 to $14,999.99*  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       Fixed at time of commitment Contact credit union for current rate and estimate of monthly payments.   up to $25,000  120 Months   $25,001 to $50,000 180 Months   $50,001 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 3.55% As low as  3.80% As low  as 4.05%      Contact the Credit Union for current rate and estimate of monthly payments.     $25,001 - $35,000 Up to 72 Months As low as 4.30% Over $35,000 Up to 84 Months As low as 4.55%   Used Up to $7,000 $5,001.00 to $7,000.00 Up to 24 Months Up to 36 Months As low as 3.50% As low as 4.00% Contact credit union for current rate and estimate of monthly payments. $7,001.00 to $14,000.00 48 Months As low as 4.25% Contact credit union for current rate and estimate of monthly payments.   $14,001.00    to $25,000.00    Over $25000       60 Months     72 Months                  As low as 4.50%     As low as 4.75%      Contact credit union for current rate and estimate of monthly payments.                                                                  Maximum age of car CSE will finance is 7 years old.Maximum amount loaned on cars that are 1-4 years old will be 90% of Clean Retail Value in the NADA Used Car Guide. Maximum amount loaned on cars that are 5-7 years old will be 80% of Clean Retail Value in the NADA Used Car Guide. Maximum amount loaned on cars that are 1-4 years old will be 90% of Clean Retail Value in the NADA Used Car Guide. For members who have a clear title to their vehicle and want to borrow against it, the maximum amount loaned will be Clean Loan Value in the NADA Used Car Guide. There will be no extra cash advanced on used car purchases. 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 $6,999.99 36 Months 6.90%              $30.85 per $1,000 for 36 months   $7,000.00 to $17,999.99 48 Months 6.90%              $23.91 per $1,000 for 48 months   $18,000.00 to $24,999.99 60 Months 6.90%             $19.77 per $1,000 for 60 months   $25,000.00 and over 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)  6.25% $30.53 per $1,000 for 36 months $23.60 per $1,000 for 48 months $19.45 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 8.00% $ 31.33 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   7.50% $31.10 per $1,000 for 36 months   RV, Motor Home, Travel Trailer, and Horse 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     $20,001 - $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 84 months (depending on age of the RV) 7.50% $20.04 per $1,000 for 60 months $17.29 per $1,000 for 72 months $15.34 per $1,000 for 84 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 $5,000.00 36 Months 8.00% $31.33 per $1,000 for 36 months     $5,001.00 to $7,000.00 48 Months 8.00% $24.41 per $1,000 for 48 months     $7,001.00 and over 60 Months 8.00% $20.28  per $1,000 for 60 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 with a floor of 4.00%  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.