Rates Effective: August 18, 2010. Rates Subject To Change Without Notice.

Savings Accounts Minimum Balance Dividend Rate APY*
Regular Savings	$25.00 0.50% 0.501%
Christmas Club	$25.00 0.25% 0.25%
IRA Savings	$25.00 2.00% 2.02%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Checking Accounts Minimum Balance Dividend Rate APY*
Share Draft/Checking	$200.00 0.25% 0.25%
VIP Draft	$2,500.00 1.15% 1.16%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Share Certificates Minimum Balance Dividend Rate APY*
03 Month Certificate	$500.00 0.70% 0.70%
	$25,000.00 0.90% 0.90%
06 Month Certificate	$500.00 1.00% 1.00%
	$25,000.00 1.10% 1.11%
12 Month Certificate	$500.00 1.30% 1.31%
	$25,000.00 1.40% 1.41%
18 Month Certificate	$500.00 1.60% 1.61%
	$25,000.00 1.75% 1.76%
24 Month Certificate	$500.00 1.70% 1.71%
	$25,000.00 1.85% 1.86%
30 Month Certificate	$500.00 1.80% 1.81%
	$25,000.00 2.00% 2.01%
48 Month Certificate	$500.00 2.00% 2.01%
	$25,000.00 2.10% 2.11%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS