DEPOSIT RATES
Type	Rate	APY
Regular Share	1.25%	1.26%
Sub Savings Share	1.25%	1.26%
Christmas Club Account	1.25%	1.26%

SHARE CERTIFICATE RATES
Type	Rate	APY
6 Months	2.50%	2.52%
12 Months	2.75%	2.78%

All rates are subject to change without notice.

Share Deposit Rates are declared Quarterly.

Minimum Deposit - $1,000.00

APY - Annual Percentage Yield.

A penalty may be imposed for early withdrawl of share certificates.