Certificate Rates Homeowners Mortgage Enterprises, Inc.
Effective Date: 11/4/2008
Term Share Certificates (IRA and Non IRA)
Average Balance Dividend Rates APY*
3 Months 2.10 2.12
6 Months 2.75 2.78
12 Months 3.00 3.04
18 Months 3.50 3.55
24 Months 3.75 3.80
30 Months 3.75 3.80
36 Months 3.75 3.80
48 Months 4.00 4.06
60 Months 4.00 4.06
A penalty is imposed for early withdrawal.

* Annual Percentage Yield. Annual Percentage Yield is accurate as of 11/4/2008. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

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Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency 		We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. 		America's Credit Unions