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Dividend Rates
Declared Dividend Rates
Effective October 20, 2007
 All rates are determined by the Board of Directors
and are subject to change periodically

Account Average Daily Balance
APR *
APY **
Regular Shares
1.25
1.26
Share Draft Accounts
.50
.501
Money Market Accounts
3.20
3.25

SHARE CERTIFICATE RATES

EFFECTIVE  May 21, 2007

$500 minimum Young Savers
12 months
18 months
24 months
30 months
36 months
APR
4.00
4.10
4.15
4.15
4.20
APY
4.07
4.18
4.23
4.23
4.28
$1,000 minimum
12 months
18 months
24 months
30 months
36 months
APR
4.00
4.10
4.15
4.15
4.20
APY
4.07
4.18
4.23
4.23
4.28
$5,000 minimum
6 months



APR
4.17



APY
4.25



$10,000 minimum
12 months
18 months
24 months
30 months
36 months
APR
4.25
4.35
4.50
4.50
4.55
APY
4.33
4.44
4.59
4.59
4.65
$25,000 minimum
12 months
18 months
24 months
30 months
36 months
APR
4.50
4.60
4.70
4.70
4.75
APY
4.59
4.70
4.80
4.80
4.85

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

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Your Deposits are insured to $250,000.00 per account.

This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.