RETURN RATES

Rates as of March 01, 2010

APY

DIVIDEND

Share Drafts

   -0-

   -0-

Christmas Clubs

  .50%

  .50%

Shares

  .25%

  .25%

Tiered Hi-Yield As of March 01, 2010

2,000.00 - 19,999.99

  .50%

  .50%

20,000.00-39,999.99

  .75%

  .75%

$40,000.00 0r over

1.00%

1.00%

IRA's

1.00%

1.00%

IRA & Share Certificates As of January 01, 2010

$20,000.00 or more ADD .25%
ON YOUR NEXT NEW CERTIFICATE

APY

DIVIDEND

6 Month

1.21%

1.20%

1 Year

1.51%

1.50%

2 Year

1.86%

1.85%

3 Year

2.37%

2.35%

4 Year

2.78%

2.75%

5 Year

3.03%

3.00%