SHARE CERTIFICATES
Effective Date: 08/01/08
Rates are subject to change daily    *Early Withdrawal Penalty may apply

	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD	MINIMUM DEPOSIT!!
6 Month	2.52%	2.55%	$1,000.00
12 Month	3.49%	3.55%	$1,000.00
18 Month	3.93%	4.00%	$500.00
24 Month	3.98%	4.05%	$500.00
30 Month	3.98%	4.05%	$500.00
36 Month	3.98%	4.05%	$500.00
48 Month	3.98%	4.05%	$500.00
60 Month	4.22%	4.30%	$500.00
10 Month(Special)	3.69%	3.75%	$1000.00
Regular Share savings	.50%	.50%	$25.00
	1.00	1.00	$10,000.00
	1.50%	1.51	$40,000.00
Club Accounts	.50%	.50%	$25.00
IRA Accounts	2.50%	2.56%	$25.00

DISCLOSURE OF FEES AND CHARGES

EFFECTIVE 01/24/2005

TYPE OF FEE	REGULAR FEE	FREQUENCY
Copy of Share Draft	$3.00	Per Draft
Share Draft Stop Payment Fee	$20.00	Per Draft or ACH debit
Official Check Stop Payment Fee (Only if check is lost or stolen)	$20.00	Per Check
NSF Fee	$20.00	Per Draft or ACH debit or ATM W/D
Share Draft Account Reconciliation Fee	(1st time free) $20.00 $20.00	Per Incident
NSF Deposited/Cashed Check	$20.00	Per Check
Official Check	$1.25	Per Check
Overdraft from Savings Fee	$3.00	Per Transfer
Copy of Statement	$1.00	Per Statement
Account Printout	$.50	Per Printout
Money Order	$1.00	Per Item
Bank Wires Outgoing	USA $15.00 International $30.00	Per WirePer Wire
Visa Check Card Replacement Fee	$10.00	Per Card
Visa Check Card PIN reminder Fee	$5.00	Per Request
ATM Transaction Fee	$1.00	Per Transaction
Loan Refinance Fee (no fee with minimum $1000.00 advance)	$25.00	Per Loan
Account Closure Fee	$5.00	If account is closed within six months of opening.
Inactive Account Fee	$5.00	Per month if account is inactive for one year and balance is below $50
Foreign Check Collection Fee	$5.00	Per Check

MORTGAGES OFFERED AND RATES
March 01, 2005

FIXED RATE MORTGAGES
Rates as low as 6.00% APR

WE CHARGE NO POINTS
And no application fee

HOME EQUITY LINE OF CREDIT

Interest Rate	5.25% APR (Prime Rate minus 1.00%)
Maximum Line Available	$200,000
Minimum Line	$ 10,000
Draw Period	10 years
Repayment Period	15 years

*Maximum rate 18.00% APR

Current Rates Subject To Change

HOME EQUITY FIXED RATE LOANS
Rates as low as 5.50% APR and up to 80% Loan to Value

LOAN RATES

Share Savings Secured	As Low As*
100% Share Secured	3.00% APR
50% Share Secured	6.00% APR
25% Share Secured	7.00% APR

APR=Annual Percentage Rate

New Car Loan

As Low As*

3.99% APR

APR=Annual Percentage Rate

Used Car Loan

As Low As*

2005-2008	5.99% APR
2003-2004	8.50% APR
2002	9.50% APR
2001 or older	9.50% APR

APR=Annual Percentage Rate

With High Mileage		As Low As*
2008 or older	100K+	10.50% APR
Classic Auto With Title		11.50% APR

APR=Annual Percentage Rate

25% down payment required

	As Low As*
Trailer Homes	12.50% APR

As Low As*

Motorcycles-Registered for Highway

	As Low As*
New	5.00% APR
Used	8.00% APR

Computer System Loans- Limit one per family

	As Low As*
Loan	10.00% APR

Unsecured Loans

		As Low As*
Loan	$3,500 Maximum with One Signature	14.50% APR
Loan	$7,000 Maximum with Co-Signature	13.75% APR

APR=Annual Percentage Rate

Refinancing an existing WFCU loan adding $1,000 or less of new money is subject to a processing fee of $25.

*Interest rate is based on term and individual credit score.