Dividend Rates Truth in Savings Account Disclosure Rates subject to change without prior notice. Call for up to the minute details. Effective 01/01/2010 *APY=Annual Percentage Yield.

Term	Dividend Rate	APY*
Checking Account
	0.15%	0.15%
Regular Share Savings Account and Pay On Death Account
	0.50%	0.50%
IRA Share Accounts
	1.00%	1.00%
Share Certificate Minimum deposit $1,000 (a penalty will be imposed for early withdrawal**)
3 month	1.19%	1.20%
6 month	1.39%	1.40%
9 month	1.48%	1.50%
12 month	1.63%	1.65%
18 month	1.98%	2.00%
24 month	2.22%	2.25%
36 month	2.46%	2.50%
48 month	2.95%	3.00%
IRA Certificate Minimum deposit $1,000 (a penalty will be imposed for early withdrawal**)
3 month	1.19%	1.20%
6 month	1.39%	1.40%
9 month	1.48%	1.50%
12 month	1.63%	1.65%
18 month	1.98%	2.00%
24 month	2.22%	2.25%
36 month	2.46%	2.50%
48 month	2.95%	3.00%
Money Market Account
Less than $2,500.00	0.50%	0.50%
$2,500.00 - $9,999.99	1.00%	1.00%
$10,000.00 or more	1.25%	1.25%

¹ Add .50% to the dividend rate for Youth, Teen and Young Adult Accounts.

**For Share Certificates the penalty for early withdrawal is 90 days dividends or dividends year to date, which ever is the lesser of the two options. This penalty does not apply to an early withdrawal subsequent to the death of any owner. For IRA Share Certificates the penalty for early withdrawal is 90 days dividends or dividends year to date, which ever is the lesser of the two options. This penalty does not apply if the account is part of a qualified individual retirement withdrawal upon the participant's disability or attainment of not less than 59 ½ years of age.