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%