Current Savings Rates

Dividend Rates As Of July 20, 2010

Share Type Dividend Rate APY* TOP

Regular Share ($100 to $2,499.99) 0.05% 0.05%   ($2,500 to $14,999.99) 0.10% 0.10%   ($15,000 +) 0.15% 0.15%

Share Draft Checking 0.00% 0.00%

Money Market ($2,500 - $9,999) 0.25% 0.25%   (Over $9,999) 0.50% 0.50%

Club Account ($100 to $2,499.99) 0.05% 0.05%   ($2,500 to $14,999.99) 0.10% 0.10%   ($15,000 +) 0.15% 0.15%

IRA Accumulation ($100 to Unlimited) 0.25% 0.25%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Certificate Type Dividend Rate APY* TOP

03 Month Certificate ($500 Minimum) 0.40% .040%

06 Month Certificate ($500 Minimum) 0.65% 0.65%

12 Month Certificate ($500 Minimum) 0.90% 0.90%

06 Month IRA Certificate ($1,000 Minimum) 0.65% 0.65%

12 Month IRA Certificate ($1,000 Minimum) 0.90% 0.90%

18 Month IRA Certificate ($1,000 Minimum) 0.90% 0.90%

24 Month IRA Certificate ($1,000 Minimum) 0.90% 0.90%

30 Month IRA Certificate ($1,000 Minimum) 0.90% 0.90%

36 Month IRA Certificate ($1,000 Minimum) 0.90% 0.90%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

• APY means 'Annual Percentage Yield' which considers compounding effect.
• Minimum balance of $100.00 is required to earn dividends.
• Rates subject to change without notice.
• ($2,500 to $14,999.99)
• 0.10%
• 0.10%