IREFCU:

IREFCU: Historical Savings Rates (Since 1995)

Year	Quarter	Date	Shares	IRA's
1998	4	12/31/98	5.75	6.00
	3	9/31/98	5.00	5.25
	2	7/1/98	5.00	5.25
	1	4/1/98	4.75	5.00
1997	4	12/31/97	5.00	5.25
	3	10/1/97	4.75	5.00
	2	7/1/97	4.75	5.00
	1	4/1/97	4.75	5.00
1996	4	1/1/97	4.50	4.75
	3	10/1/96	4.50	4.75
	2	7/1/96	4.75	5.00
	1	4/1/96	5.00	5.00
1995	4	1/1/96	5.00	5.00
	3	10/1/95	4.75	5.00
	2	7/1/95	4.75	5.00
	1	4/1/95	5.00	5.00

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