Rates as of October 01, 2008

APY

DIVIDEND

Share Drafts

-0-

-0-

Christmas Clubs

1.00%

1.00%

Shares

  .50%

  .50%

Tiered Hi-Yield As of May  02, 2008

2,000.00 - 19,999.99

1.51%

1.50%

20,000.00-39,999.99

1.76%

1.75%

$40,000.00 0r over

2.02%

2.00%

IRA's

1.41%

1.40%

IRA & Share Certificates As of September 22, 2008

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

APY

DIVIDEND

6 Month

2.93%

2.90%

1 Year

3.55%

3.50%

2 Year

3.91%

3.85%

3 Year

4.06%

4.00%

4 Year

4.22%

4.15%

5 Year

4.42%

4.35%