FREE "1st Rate" Checking Account

Qualifying Members Receive -

4.01% APY** Dividend on balances up to $25,000
and 0.10% APY on the portion of the balance over $25,000
Plus up to $25 Foreign ATM fees Refunded per Cycle*
NO Monthly Service FEE
plus all the other great benefits listed below

What Do You Need to Do to Qualify? It's EASY...

Perform at least 15 Debit Card Transactions per cycle
Receive your Statement Electronically
Access "CU Easy" Online Banking at least once per cycle

effective 02-10-10

What Happens If I Don't Qualify During a Cycle?

0.10% APY Dividend on the Entire Balance
No Foreign ATM fees Refunded
NO Monthly Service FEE
plus all the other great benefits listed below
and then You can try again the next cycle to earn the higher dividend rate

Each 1st Rate Checking Account member will receive an

e-mail on the first day of the next cycle that tells whether or not you qualified for the higher dividend rate and ATM fee refunds. It also gives the details about your qualifying transactions -

Ex. "you did 23 debit card transactions this cycle."

(800) 749-1465 or (325) 653-1465

Other GREAT 1st Rate Checking Benefits:

FREE "CU Easy" Internet Banking & Bill Pay
FREE Debit/ATM Card
No Minimum Balance Required
No Limit/Charge for Number of Checks or Transactions
FREE Savings Overdraft Protection
FREE Loan Overdraft Protection w/ approved loan application
FREE E-Statements
FREE "Texas Teller" Audio Response
Direct Deposit
FREE Automatic Transfers
FREE Temporary Checks
Member Purchases Checks

· FREE Notary Public service

*ATM refunds up to $25 per item.$25 per cycle if requirements are met.**4.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.10% APY paid on all amounts above $25,000 each cycle the minimum requirements are met.If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.10% APY. Rates as of 8-12-09. We may change the dividend rate and APY at any time after the account is opened. No minimum balance required to open this account.Available to personal accounts only. No monthly service charge.If you do not meet the requirements per cycle,your account will still function as a free checking account earning the Base Rate, however it will not receive ATM Refunds for that time period.

Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA),

a U. S. Government Agency. IRAs insured separately.

Additional coverage through Excess Share Insurance Corporation (ESI), a private insurance company,

insures 1CFCU deposit account for an additional $250,000. IRAs insured separately for an additional $250,000.

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