Share and Certificate Rates
Shares:
Dividend Rate Declared for the 2nd Quarter Ending June 30, 2010.
$25.00 Required Opening Deposit.

Account Balance	APR*	APY**
$0.01 - $24.99	No Dividends	0.00%
$25.00 - $5,000.00	0.20%	0.20%
$5,000.01 - $25,000.00	0.30%	0.30%
$25,000.01 and over	0.40%	0.40%

*APR=Annual Percentage Yield.
**APY=Annual Percentage Yield.
Dividends are calculated on the average daily balance and paid quarterly.

Holiday Club Account: Dividend Rate effective May 1, 2010. Dividends to pay on a monthly basis, minimum balance requirement $5.00.

	APR*	APY**
$5.00 & up	0.20%	0.20%

Share Certificates: (Rates effective March 18, 2010)
$500.00 minimum deposit/$100,000.00 maximum deposit.

	APR*	APY**
6 month	1.10%	1.10%
12 month	1.35%	1.36%
Kids Kickoff Special (21 & under) (Rates effective October 1, 2009) $100.00 minimum deposit/$1000.00 maximum deposit
6 months	4.00%	4.03%

*APR=Annual Percentage Rate.
**APY=Annual Percentage Yield.

6 month Certificates – Dividends will be compounded and posted at maturity.
12 month Certificates – Dividends will be compounded and posted quarterly.
A penalty may be imposed for early withdrawal.
Unless otherwise noted, all Certificates will automatically renew at maturity for the same term at the interest rate in effect on the maturity date.