Certificate of Deposit Rates

Effective as of
May 7, 2008

Minimum to open: $1,000
10-Month Access Minimum to Open: $10,000

TERM

$1,000-$24,999 APY*

$25,000 & OVER APY*

3 months

2.42%

2.52%

6 months

2.52%

2.63%

9 months

2.52%

2.63%

10 month Access**

2.27%

2.27%

10 months

2.58%

2.68%

12 months

2.63%

2.73%

15 months

2.63%

2.73%

18 months

2.78%

2.88%

24 months

2.93%

3.03%

36 months

3.75%

3.85%

48 months

3.90%

4.00%

60 months

4.00%

4.10%

*The Annual Percentage Yield (APY) is based on quarterly compounding. Rates subject to change at any time. Special restrictions may apply. Penalty for early withdrawal. Member FDIC.

**The Access CD offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty.

Call 800-297-2837, or in Lincoln, 323-1777, for more information.

Individual Retirement Account Rates

Effective as of
May 7, 2008

TERM

$1,000-$24,999 APY*

$25,000 & OVER APY*

18 month Variable**

2.78%

2.89%

12 months

2.63%

2.73%

18 months

2.78%

2.88%

24 months

2.93%

3.03%

36 months

3.75%

3.85%

48 months

3.90%

4.00%

60 months

4.00%

4.10%

*The Annual Percentage Yield (APY) is based on quarterly compounding. Rates subject to change at any time. Special restrictions may apply. Penalty for early withdrawal. Member FDIC.

**Variable Rate IRA rate is subject to change after the account is opened.

Call 800-297-2837, or in Lincoln, 323-1777, for more information.

Money Market & Savings Rates

Effective as of
May 7, 2008

Value Edge Money Market Account

$10,000 minimum to open

BALANCE

INTEREST RATE

APY*

Less than $10,000

0.40%

0.40%

$10,000-$49,999

1.25%

1.26%

$50,000-$249,999

1.85%

1.87%

$250,000-$499,999

2.25%

2.27%

$500,000 & over

2.50%

2.53%

Union Money Fund

$50 minimum to open

BALANCE

INTEREST RATE

APY*

Less than $2,500

0.00%

0.00%

$2,500-$4,999

0.25%

0.25%

$5,000-$24,999

0.45%

0.45%

$25,000-$49,999

0.70%

0.70%

$50,000-$99,999

1.35%

1.36%

$100,000 & over

1.60%

1.61%

Union Savings Account

$25 minimum to open

BALANCE

INTEREST RATE

APY*

$0.01 or more

0.25%

0.25%

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings. Member FDIC.

Call 800-297-2837, or in Lincoln, 323-1777, for more information.

Health Savings Account

Effective as of
May 7, 2008

$50 minimum to open

BALANCE

INTEREST RATE

APY*

Less than $2,499.99

0.60%

0.60%

$2,500-$4,999

1.00%

1.00%

$5,000-$24,999

1.25%

1.26%

$25,000-$49,999

1.85%

1.87%

$50,000-$99,999

2.25%

2.27%

$100,000 & over

2.50%

2.53%

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings. Member FDIC.

Call 800-297-2837, or in Lincoln, 323-1777, for more information.

Checking Account Rates

Effective as of
May 7, 2008

Bonus Checking (when activity requirements met)*

BALANCE

INTEREST RATE

APY*

$0-$499

0.00%

0.00%

$500-$999

0.25%

0.25%

$1,000-$4,999

0.25%

0.25%

$5,000-$9,999

0.35%

0.35%

$10,000-$19,999

0.50%

0.50%

$20,000 & over

0.75%

0.75%

50 Plus Checking

BALANCE

INTEREST RATE

APY*

$0-$99

0.00%

0.00%

$100 & over

0.25%

0.25%

Classic Checking

BALANCE

INTEREST RATE

APY*

$0-$299

0.00%

0.00%

$300 & over

0.25%

0.25%

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Minimum opening balance is $50 unless noted otherwise. Fees may reduce earnings. Member FDIC.

Call 800-297-2837, or in Lincoln, 323-1777, for more information.