Last Rate Change: January 1, 2010                                                                                    **All Rates Subject to Change**

APR: Annual Percentage Rate
APY: Annual Percentage Yield

Dividends Projected: June 30, 2010
		Rate
Account Type	Period Ending	APR	APY
Share Savings Under $100	Quarter Ending June 30, 2010	0.00%	0.00%
Share Savings ($100 to $500)	Quarter Ending June 30, 2010	0.25%	0.25%
Share Savings ($501 to $2,000)	Quarter Ending June 30, 2010	0.50%	0.50%
Share Savings ($2,000 and above)	Quarter Ending June 30, 2010	0.75%	0.75%
Youth Share Accounts ($5 and above)	Quarter Ending June 30, 2010	0.75%	0.75%
Club Accounts	Annual Period Ending December 31, 2010	0.50%	0.50%

Certificate Rates

Last Rate Change: August 1, 2010

Certificate Term	APR	APY
Six Months	0.75%	0.752%
One Year	1.00%	1.004%
Two Years	1.25%	1.256%