Type Dividend Rate APY*
 Shares 0.50% 0.50%
 Club Accts. 0.50% 0.50%
     
 Effective as of January 1, 2012
 Term Dividend Rate APY*
 6 Months 0.60% 0.60%
 12 Months 0.85% 0.85%
 18 Months 1.00% 1.00%
 Effective as of January 1, 2012
 Type Term APR*
 New Cars 60 Months 2.75%
 Used Cars 60 Months 3.50%
 Mortgages 180 Months 4.00%
 Effective as of November 22, 2011