Share Account...

Dividend     0.75%

APY             0.75%

Regular Share Draft Account (when $300.00 balance is maintained)...

Dividend        .25%

APY                .25%

Accumulation Account ($2,500.00 minimum)...

Dividend       1.00%             

APY               1.01%

Individual Retirement Accounts...

Dividend       1.80%

APY               1.81%

Share Certificates...

$1,000.00 Minimum ($500.00 Minimum for Minors):

 3 Month Share Certificate      0.85% dividend      0.85% APY

 6 Month Share Certificate      1.25% dividend      1.26% APY

12 Month Share Certificate      1.50% dividend      1.51% APY

36 Month Share Certificate      2.25% dividend      2.27% APY      

*All rates subject to change without prior notice.