Rates

Type of Account

DIVIDEND*

APY**

Minimum

Regular Shares

1.00%

1.00%

$25

IRA Shares

2.49%

2.51%

$5

Special Shares

1.00%

1.00%

$5

Real Estate Impounds

2.00%

2.02%

$5

Share Drafts

0.50%

0.50%

$50

3-Month Certificate

1.25%

1.26%

$2500

6-Month Certificate

1.35%

1.36%

$2500

12-Month Certificate

1.52%

1.53%

$2500

24-Month Certificate

1.65%

1.66%

$2500

36-Month Certificate

1.89%

1.90%

$2500

48-Month Certificate

2.12%

2.14%

$2500

60-Month Certificate

2.33%

2.35%

$2500

3-Month IRA Certificate

1.25%

1.26%

$2000

6-Month IRA Certificate

1.35%

1.36%

$2000

12-Month IRA Certificate

1.52%

1.53%

$2000

24-Month IRA Certificate

1.65%

1.66%

$2000

36-Month IRA Certificate

1.89%

1.90%

$2000

48-Month IRA Certificate

2.12%

2.14%

$2000

60-Month IRA Certificate

2.33%

2.35%

$2000

3-Month Jumbo Certificate

1.50%

1.51%

$25,000

6-Month Jumbo Certificate

1.60%

1.61%

$25,000

12-Month Jumbo Certificate

1.77%

1.78%

$25,000

24-Month Jumbo Certificate

1.90%

1.91%

$25,000

36-Month Jumbo Certificate

2.14%

2.16%

$25,000

48-Month Jumbo Certificate

2.37%

2.39%

$25,000

60-Month Jumbo Certificate

2.58%

2.61%

$25,000

3-Month Jumbo IRA Certificate

1.50%

1.51%

$25,000

6-Month Jumbo IRA Certificate

1.60%

1.61%

$25,000

12-Month Jumbo IRA Certificate

1.77%

1.78%

$25,000

24-Month Jumbo IRA Certificate

1.90%

1.91%

$25,000

36-Month Jumbo IRA Certificate

2.14%

2.16%

$25,000

48-Month Jumbo IRA Certificate

2.37%

2.39%

$25,000

60-Month Jumbo IRA Certificate

2.58%

2.61%

$25,000

Rates current as of 1/05/09.

*Dividend is dividend rate. ** APY is annual percentage yield.
A penalty will be imposed for early withdrawal. Fees could reduce earnings on accounts.