Savings Rates

SAVINGS RATES

Effective 04/01/08

YOUR MONEY IS CURRENTLY EARNING

	BALANCE	DIVIDEND RATE	APY
SHARES	$5 TO $5,000	2.25%	2.26%
SHARES	OVER $5,000	2.50%	2.52%
CHECKING	OVER $ 250	1.25%	1.26%

CERTIFICATES

Effective 07/21/08

($500 Minimum)

Subject to a penalty for early withdrawal. (Minimum 90 days dividends)

TERM	DIVIDEND RATE	APY
6 Month	2.78%	2.81%
12 Month	3.31%	3.35%
18 Month	3.31%	3.35%
24 Month	3.31%	3.35%

FLEXIBLE CERTIFICATES

($5,000 Minimum)

You can add to the certificate anytime during the term. However, you cannot double the original amount. Also, you can withdraw twice during the term without penalty. Must maintain $5000 balance after withdrawals.

Subject to a penalty for early withdrawal. (Minimum 90 days dividends)

TERM DIVIDEND RATE APY

24 Month 3.31% 3.35%

36 Month 3.31% 3.35%

STEP-UP CERTIFICATES

($500 Minimum)

If rates go up, this certificate allows you to increase your rate twice during the term of the certificate

Subject to a penalty for early withdrawal. (Minimum 90 days dividends)

TERM DIVIDEND RATE APY

36 Month 3.31% 3.35%

APY = Annual Percentage Yield

Rates, terms and conditions subject to change without notice.

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