Savings & Loan Rates Rates are effective as of 5/9/2008 and are subject to change at any time.  Loan Rates Share Accounts Account Dividend Rate Annual Percentage Yield Share Savings .50% .50% IRA Savings 1.49% 1.50% Custom Shares .50% .50% Christmas Club 1.00% 1.00% Money Market Rates Balance Dividend Rate Annual Percentage Yield $2,500-$9,999.99 1.74% 1.75% $10,000-24,999.99 2.08% 2.10% $25,000-$39,999.99 2.37% 2.40% $40,000-74,999.99 2.67% 2.70% $75,000+ 2.97% 3.01% Sand Dollar Club Share Certificates (CDs) $200 Minimum Term Dividends Rate Annual Percentage Yield 12 Month 2.47% 2.50% Wave Riders Club Share Certificates (CDs) $200 Minimum Term Dividends Rate Annual Percentage Yield 12 Month 2.47% 2.50% Regular Share Certificates (CDs) $1000 Minimum Term Dividend Rate Annual Percentage Yield 3 month 1.98% 2.00% 6 month 2.23% 2.25% 12 month 2.47% 2.50% 24 month 2.72% 2.75% 36 month 2.96% 3.00% 48 month 3.20% 3.25% 60 month 3.45% 3.51% Petite Share Certificates (CDs) $40,000 Minimum Term Dividend Rate Annual Percentage Yield 12 month 2.62% 2.65% 24 month 2.86% 2.90% 36 month 3.11% 3.15% 48 month 3.35% 3.40% 60 month 3.59% 3.65% Jumbo Share Certificates (CDs) $75,000 Minimum Term Dividend Rate Annual Percentage Yield 12 month 2.72% 2.75% 24 month 2.96% 3.00% 36 month 3.20% 3.25% 48 month 3.45% 3.51% 60 month 3.69% 3.75% IRA Share Certificates (CDs) $1000 Minimum Account Dividend Rate Annual Percentage Yield 12 Month 2.72% 2.75% 24 Month 2.96% 3.00% 36 Month 3.20% 3.25% 48 Month 3.45% 3.51% 60 Month 3.69% 3.75% Loan Rates as of March 24, 2008 Type of Loan APR Fixed as low as Term Car, Truck, SUV, Motorcycle, Boat, Jet Ski, RV & Camper (New or Used) 4.49% 60 Months Car, Truck, SUV, Boat or RV (New or Used) 5.00% 72 Months Car, Truck, SUV, Boat or RV (New or Used) 6.75% 84 Months Signature Line of Credit 8.25% n/a Signature 8.49% n/a Certificate Secured Floor of 6% n/a Mortgage & Home Equity Loan Rates Type APR as low as Annual Percentage Yield For current rates see Mortgage web page. Rates are subject to change at any time. The rate you pay will be determined by borrower credit worthyness at the time of your advance and disclosed at that time. Some rates above include a .50% discount for having select active services. The maximum discount for any one member will be .50%. Truth in Savings Disclosures

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Your savings are insured with the highest combination of federal/private share savings deposit insurance available… $350,000 for individual share accounts, $350,000 for joint accounts and $350,000 for Individual Retirement Accounts. ESI provides members up to $250,000 in coverage, in addition to the standard $100,000 of share deposit insurance protection from the National Credit Union Administration (NCUA) an agency of the federal government.