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Current Savings Rates

EFFECTIVE March 31, 2008

ACCOUNT TYPE
APY*
Shares
1.50%
Share Drafts
1.25%
Christmas Club
1.50%
Vacation Club
1.50%
*APY is the Annual Percentage Yield.


SHARE CERTIFICATES
TERMS
APY*
90 Day - Dividend Paid At Term
$500
2.50%
  6 Mo - Dividend Paid Monthly
Min $1000
3.0%
12 Mo - Dividend Paid Monthly
Min $1500
4.0%
18 Mo - Dividend Paid Monthly
Min $1500
2.30%
24 Mo - Dividend Paid Monthly
Min $1500
2.30%
*APY is the Annual Percentage Yield.


IRA's
APY*
Floating - Dividends Paid Quarterly
3.00%
12 Mo Certificate - Dividend Paid Monthly
4.0%
18 Mo Certificate - Dividend Paid Monthly
2.30%
24 Mo Certificate - Dividend Paid Monthly
2.30%
*APY is the Annual Percentage Yield.

*** Rates are subject to change at any time without prior notice.***