Deposit Rates*
	Checking Accounts Preferred Checking 0.25% APY Advantage Checking 4.00% APY on average daily balances of $7,500 or less 0.20% APY on portions over $7,500 Money Market - Market Yield $100,000 and above 1.01% APY $50,000-$99,999.99 0.85% APY $25,000-$49,999.99 0.65% APY $0-24,999.99 0.15% APY Money Market - Market Demand $25,000 and above 0.55% APY $2,500-$24,999.99 0.35% APY $0-2,499.99 0.15% APY Share Savings, Holiday and Vacation Clubs, Moola Moose Club & Compass Club $25,000 and above 0.40% APY $2,500 - $24,999.99 0.30% APY $5 - $2,499.99 0.20% APY APY = Annual Percentage Yield **Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 06/30/10. Yields for other deposit products are declared and paid monthly. Fees may reduce earnings. For CDs, a penalty may be imposed for withdrawals before maturity. Federally insured by NCUA. This page was last revised: 9/1/10           Equal Housing Lender Share Certificates $50,000 and up   6 months 0.70% APY 12 months 0.75% APY 18 months 0.90% APY 24 months 1.30% APY 36 months 1.70% APY 60 months 2.55% APY Share Certificates $25,000 - $49,999.99   6 months 0.60% APY 12 months 0.65% APY 18 months 0.80% APY 24 months 1.20% APY 36 months 1.60% APY 60 months 2.45% APY Share Certificates $2,500 - $24,999.99   6 months 0.50% APY 12 months 0.55% APY 18 months 0.70% APY 24 months 1.10% APY 36 months 1.50% APY 60 months 2.35% APY Coverdell Education Saving Account Certificates   6 months 1.50% APY 12 months 1.55% APY 18 months 1.70% APY 24 months 2.10% APY 36 months 2.50% APY 60 months 3.35% APY
	Your savings are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $250,000 per member – with a separate coverage of $250,000 for Individual Retirement Accounts. First Northern also provides additional private share insurance of $250,000 through Excess Share Insurance.