Rates accurate as of 02/07/2011

*APY = Annual Percentage Yield

**=A $25.00 fee will be charged if the account is closed within 90 days of opening the account.

Fees could reduce the earnings on the accounts listed above.

Loan Deductions	APR*
Payments are made by payroll deduction or automatic transfer**	0.50%

*APR = Annual Percentage Rate

**Discontinueing or cancelling payroll deduction or automatic transfer will increase the loan rate by the deduction amount.

Rates on above accounts may change after the account is open.

*APR = Annual Percentage Rate

Auto Loans that do not have the Yellowstone Federal Credit Union listed as a lien holder on the vehicles title, will be considered signature loans with the appropriate rates.

Loan payments that are late 10 days or more, will be charged a $25.00 fee each month