Rates accurate as of 09/30/2009

*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.

Share Certificate	Minimum Opening Deposit	Minimum Balance	Minimum Contributions	Dividend/ Interest Rate	Term	APY*
6 Month Share Certificate	$1000.00	$1000.00	$500.00	.30%	6 Months	.300%
1 Year Share Certificate	$2500.00	$2500.00	$500.00	.50%	1 Year	.501%

*APY = Annual Percentage Yield

Penalties and fees may be imposed for early withdrawal from Share Certificates.

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