Dividend Rates
Rates effective as of August 1, 2010
Rates are subject to change without notice
APY = Annual Percentage Yield


 Account Type Compounding Method Rate APY
 Regular Shares      
  $0.00 $499.99 Monthly 0.00% 0.00%
  $500.00 - $2,499.99 Monthly 0.10% 0.10%
  $2,500.00 - $9,999.99 Monthly 0.25% 0.25%
  $10,000.00 - $24,999.99 Monthly 0.30% 0.30%
  $25,000.00 and greater Monthly 0.50% 0.50%
 IRA Savings (All Types)      
  $0.00 $499.99 Monthly 0.00% 0.00%
  $500.00 - $2,499.99 Monthly 0.10% 0.10%
  $2,500.00 - $9,999.99 Monthly 0.25% 0.25%
  $10,000.00 - $24,999.99 Monthly 0.30% 0.30%
  $25,000.00 and greater Monthly 0.50% 0.50%
 Money Market Monthly 0.00% 0.00%
 Christmas Shares Monthly 0.15% 0.15%
 Vacation Shares Monthly 0.00% 0.00%
 Bond Shares Monthly 0.00% 0.00%


Certificate Rates
Rates effective as of August 1, 2010
Rates are subject to change without notice
APY = Annual Percentage Yield


 Term   Rate APY
 3 Months*   0.30% 0.30%
 6 Months* No Penalty 0.50% 0.50%
 9 Months*   0.55% 0.55%
 12 Months* IRA Certificates also available** 0.60% 0.60%
 18 Months* IRA Certificates also available** 0.75% 0.75%
 24 Months* IRA Certificates also available** 1.24% 1.25%
 36 Months* IRA Certificates also available** 1.14% 1.15%
 48 Months* IRA Certificates also available** 1.74% 1.75%
 60 Months* IRA Certificates also available** 2.33% 2.35%

* Share Certificates require a minimum opening deposit of $500.00.
** IRA Certificates of Deposits require a minimum opening deposit of $250.00
A penalty may be imposed for early withdrawal.

Accounts requiring a minimum balance or purchase minimum amount
must maintain the stated dollar amounts to earn the advertised APY.

Fees could reduce earnings on certain accounts.