Rates: Savings

As of August 19, 2008

Type	Features	APR	APY*
Savings (Share) Account	Minimum average daily balance of $25.00	1.00%	1.00%
Money Market - Tier 1	$500 - $2,499.99	1.24%	1.25%
Money Market - Tier 2	$2500.00.-.$9,999.99	1.74%	1.75%
Money Market - Tier 3	$10,000 or Greater	2.96%	3.00%
Certificate - 3 Months	Minimum balance of $1000	2.57%	2.60%
Certificate - 6 Months	Minimum balance of $1000	2.57%	2.60%
Certificate - 9 Months	Minimum balance of $1000	2.57%	2.60%
Certificate - 12 Months	Minimum balance of $1000	3.06%	3.10%
Certificate - 15 Months	Minimum balance of $1000	2.57%	2.60%
Certificate - 18 Months	Minimum balance of $1000	2.86%	2.90%
Certificate - 24 Months	Minimum balance of $1000	2.77%	2.81%
Certificate - 36 Months	Minimum balance of $1000	2.96%	3.00%
Certificate - 48 Months	Minimum balance of $1000	3.45%	3.51%
Certificate - 60 Months	Minimum balance of $1000	3.69%	3.75%
IRA Certificate - 12 Months	Minimum Balance of $500	3.06%	3.10%
IRA Certificate - 15 Months	Minimum Balance of $500	2.57%	2.60%
IRA Certificate - 18 Months	Minimum Balance of $500	2.86%	2.90%
IRA Certificate - 24 Months	Minimum Balance of $500	2.77%	2.81%
IRA Certificate - 36 Months	Minimum Balance of $500	2.96%	3.00%
IRA Certificate - 48 Months	Minimum Balance of $500	3.45%	3.51%
IRA Certificate - 60 Months	Minimum Balance of $500	3.69%	3.75%
Checking (Share Draft) Account	Minimum Average Daily Balance of $1000	0.55%	0.55%

* Annual Percentage Yield

Rates Subject to change at any time without notice.

Dividend rates on Share accounts are declared by the Board of Directors at the end of each quarter and are subject to change.