Accurate as of May 1, 2008

Regular Share Savings

Minimum Balance	APY	Dividend Rate
$50	.50%	.50%

Money Market Account

Minimum Balance	APY	Dividend Rate
$0-$2,499	.50%	.50%
$2,500-$19,999	1.00%	1.00%
$20,000-$49,999	1.75%	1.74%
$50,000 and greater	2.25%	2.23%

Share Certificates $1,000 to $49,999

Term	APY	Dividend Rate
6 Month	3.00%	2.96%
1 Year	3.10%	3.06%
2 Year	3.20%	3.15%
3 Year	3.30%	3.25%
4 Year	3.40%	3.35%
5 Year	3.50%	3.44%

Jumbo Certificates $50,000 or greater

Term	APY	Dividend Rate
1 Year	3.20%	3.16%
2 Year	3.30%	3.26%
3 Year	3.40%	3.36%
4 Year	3.50%	3.451%
5 Year	3.60%	3.55%

IRA Share Account

Minimum Balance	APY	Dividend Rate
$25	.50%	.50%

IRA Certificates $1,000 to $49,999

Term	APY	Dividend Rate
1 Year	3.10%	3.06%
2 Year	3.20%	3.16%
3 Year	3.30%	3.26%
4 Year	3.40%	3.36%
5 Year	3.50%	3.45%

IRA Certificates $50,000 or greater

Term	APY	Dividend Rate
1 Year	3.20%	3.16%
2 Year	3.30%	3.26%
3 Year	3.40%	3.36%
4 Year	3.50%	3.451%
5 Year	3.60%	3.55%

Christmas Savings Club

Minimum Balance	APY	Dividend Rate
No minimum balance	.50%	.50%

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. For Regular Share Savings, Jumbo Certificates, IRA Share Accounts and IRA Certificates dividends are compounded daily and credited quarterly. On all other accounts dividends are compounded daily and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Additional deposits are not allowed on Share Certificates, Jumbo Certificates and IRA Share Certificates.