Deposit Rates*

SHARE ACCOUNT ANNUAL PERCENTAGE YIELD
Share Savings 1.00%
Kids Klub 1.00%
Christmas Club 1.00%
Money Market  
$3,000 - $19,999.99 2.00%
$20,000 - $49,999.99 2.10%
$50,000 and over 2.20%
Certificates of Deposit**  
3 months 2.80%
6 months 3.30%
12 months 4.00%
24 months 4.23%
36 months 4.00%
48 months 4.00%
IRA Savings  
up to $20,000 2.40%
over $20,000 2.50%

*Rates for Share Savings and Kids Klub are set at the end of each quarter for the pervious quarter. The rates stated are for the quarter ending December 2008. All other rates are subject to change daily and rate stated is for November 2008. Contact a Member Service Representative at 991-6178 for more information on fees and other conditions which could reduce the dividends/interest on these accounts.

**Add points if:

Active Share Deposit has direct deposit or net pay . . . . add .10% to regular rate
Money Market Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . add .05% to regular rate
$50K or more in total deposits . . . . . . . . . . . . . . . . . . . . . . add .10% to regular rate
IRA Account with $4K or regular deposits. . . . . . . .  . . . . . add .05% to regular rate