Metro Credit Union

SAVINGS (Share) ACCOUNT

  APR APY

*Savings (Share)              .65%          .65%
*Christmas Club              .65%          .65%
*IRA Savings                  1.85%        1.86%
*Health Savings             2.10%        2.12%
*$100 minimum to earn dividends.

**Money Market              1.10%        1.11%
**$2,500 minimum to earn dividends.

Rates are subject to change.  Rates shown are effective through 12-31-09

SAVINGS (Share) CERTIFICATE 

                             APR            APY

*  3 month           1.00%         1.00%
*  6 month           1.35%         1.36%
12 month             1.70%         1.71%
24 month             2.00%         2.02%
36 month             2.15%         2.17%
60 month             2.25%         2.27%

*Minimum amount for deposit is $1,000.
All other terms have a minimum of $500.

A penalty may apply for early withdrawal.

Rates are subject to change.  Effective 2-3-10.

IRA SHARE CERTIFICATES

                          APR          APY

12 month           1.70%       1.71%
24 month           2.00%       2.02%
36 month           2.15%       2.17%
60 month           2.25%       2.27%

Rates are subject to change.  Effective 2-3-10.

LOAN RATES

All rates are based on credit scores.  Rates can be as low as:

New Vehicles                         5.40%
Used Vehicles                        5.75%
Rec Vehicles                          6.00%
Signature                              11.50%
Home Equity(Variable)           4.25%     Up to 20 yr term based on unpaid balance.
Home Equity(Fixed)               4.50%
Share/CD Secured                3.00%     Above current rate earned on savings or CD.

VISA CREDIT CARDS

Platinum               9.50%    APR
Classic                13.90%   APR