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DEPOSIT RATES

Rate effective November 1, 2008:

Annual Percentage Yield Dividend Rate
Regular Share Accounts to be determined by board of directors at the end of each quarter
Christmas Club Call for rate Call for rate
Preferred Checking   .75%   .75%
Daily Interest   .75%   .75% (for Nov)
IRA Club Account 1.00% 1.00%


Note: Rates given apply to Savings Certificate and IRA Certificate accounts, including Traditional, Roth, and Education IRAs. There is a $500 minimum opening deposit for all certificates. Rates are subject to change without notice. Dividends are calculated based on the average daily balance and are compounded and credited quarterly. When applicable, regular CD's also have the option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply. All accounts are federally insured by the National Credit Union Administration. Fees could reduce earnings on these accounts.

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