SAVINGS RATES RATES PAID ON ACCOUNTS FOR FOURTH QUARTER 2011 Dividends on all share accounts are declared and paid at the end of each calendar quarter: (March, June, September, December). The more you "save", the more you earn.

*APY - Annual Percentage Yield.  Rate is subject to change.

CD RATES EFFECTIVE: 12.19.2011

CD rates are changed monthly, usually around the middle of the month.  For the most current rates, please contact the credit union at 713-704-3980, rates are subject to change anytime, without notice.  Rates listed are for NON-BUSINESS accounts.  CDs are not offered on business accounts.

TIME DEPOSIT     (CD's)	REGULAR ($1,000 to $24,999)		SUPER ($25,000 to $49,999)	JUMBO ($50,000 to$99,999)	PLATINUM ($100,000 plus)
	DIVIDEND RATE       APY*		DIVIDEND RATE            APY*	DIVIDEND RATE            APY	DIVIDEND RATE            APY*
PAYROLL CD $100 to $999.99 $1,000+	0.34%                0.35% 0.59%                0.60%		N/A                      N/A	N/A                        N/A	N/A                        N/A
6 MONTH CD	0.55%                 0.56%		0.65%                   0.66%	0.75%                       0.76%	N/A                       N/A
12 MONTH CD	0.59%                0.60%		0.69%                 0.70%	0.79%                       0.80%	N/A                       N/A
18 MONTH CD	0.67%                0.68%		0.77%                 0.78%	0.87%                       0.88%	N/A                       N/A
24 MONTH CD	0.75%               0.76%		0.85%                 0.86%	0.95%                        0.96%	N/A                        N/A
36 MONTH CD	0.91%              0.92%		1.01%                1.02%	1.11%                       1.12%	1.21%                       1.22%
48 MONTH CD	1.17%               1.18%		1.27%               1.28%	1.37%                       1.38%	1.47%                       1.49%
60 MONTH CD	1.44%                1.46%		1.54%                  1.56%	1.64%                        1.66%	1.74%                        1.76%

A penalty may be imposed for early withdrawals before maturity date.

 *APY - Annual Percentage Yield.  Rate is subject to change.

*APY - Annual Percentage Yield.  Rate is subject to change.

 *APY - Annual Percentage Yield.  Rate is subject to change.

TRADITIONAL IRA (I)
$25 TO $500		0.35%*
$501 TO $10,000		0.45%
$10,001 TO $25,000		0.56%
$25,001 TO $50,000		0.66%
$50,000 PLUS		0.76%

*APY - Annual Percentage Yield.  Rate is subject to change.

  All accounts must remain open through the end of the dividend period or the maturity date to be paid the accrued dividends.  Dividends are paid at the end of the period from the current income and the available earnings after required transfers and reserves.  Refer to our account options and Rate and Fee Schedule for account requirements and disclosures.  Dividend rates listed for ALL SHARE accounts are for the current quarter.  DIVIDEND RATES ON SHARES ARE SUBJECT TO CHANGE AT ANYTIME AND ARE NOT GUARANTEED.