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Savings Rates

Share Savings Accounts

Account Type	Dividend Rate	APY	Compound Frequency	Minimum Deposit
Primary Share Savings	0.50%	0.50%	Monthly	$25
Secondary Share Savings	0.50%	0.50%	Monthly	$0
IRA Share Savings	0.60%	0.60%	Monthly	$0
MyMoney Kids & MyMoney Teens Account Share Savings	0.50%	0.50%	Monthly	$5
Vacation Club Share Savings	0.50%	0.50%	Monthly	$0
Christmas Club Share Savings	0.50%	0.50%	Monthly	$0
Business Share Savings	0.50%	0.50%	Monthly	$25

Rates are subject to change after the account is opened.

APY=Annual Percentage Yield

Fees may reduce earnings.

Term Share Certificate Accounts

Term	Dividend Rate	APY	Compound Frequency	Minimum Deposit
6 Months	0.80%	0.80%	Monthly	$500
12 Months	1.10%	1.11%	Monthly	$500
18 Months	1.25%	1.26%	Monthly	$500
24 Months	1.75%	1.76%	Monthly	$500
36 Months	2.00%	2.02%	Monthly	$500
6 Months IRA	0.90%	0.90%	Monthly	$500
12 Months IRA	1.20%	1.21%	Monthly	$500
18 Months IRA	1.35%	1.36%	Monthly	$500
24 Months IRA	1.85%	1.87%	Monthly	$500
36 Months IRA	2.10%	2.12%	Monthly	$500

APY=Annual Percentage Yield

Early withdrawl penalties may apply.

Rates as of 07/30/2010

This rate sheet is incorporated into the Account Agreements and Disclosures.
The rate and APY stated for Share Savings Accounts is declared by the Board of Directors and is subject to change at any time.
The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days. These rates and yields are subject to change each Friday.