Interest Rates (Rate) and Annual Percentage Yields (APY)

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Regular Share Savings Interest Rates (S1-S3)

Daily Balance	Rate	APY
$0.00 to $9,999.99	0.896%	0.90%
$10,000.00 and over	1.045%	1.05%

** Minimum balance of $25 to earn dividends
** These interest rates apply to S1, S2 and S3 account types
** Declared, paid and compounded monthly

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Money Market (S8)

Daily Balance	Rate	APY
$0.00 to $2,499.99	.90%	.90%
$2,500.00 to $9,999.99	1.59%	1.60%
$10,000.00 to $24,999.99	1.982%	2.00%
$25,000.00 to $49,999.99	2.570%	2.60%
$50,000.00 to $99,999.99	2.96%	3.00%
$100,000 to $199,999.99	3.251%	3.30%
$200,000.00 and over	3.542%	3.60%

** Declared, paid and compounded monthly

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Checking (S5)

Daily Balance	Rate	APY
$500.00 to $9,999.99	0.25%	0.25%
$10,000.00 to $49,999.99	0.25%	0.25%
$50,000.00 and over	0.50%	0.50%

** Minimum balance of $500 required to earn dividends
** Declared, paid and compounded monthly

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IRA Shares (S10-S18)

Daily Balance	Rate	APY
$0.00 to $2,499.99	.90%	.90%
$2,500.00 to $9,999.99	1.59%	1.60%
$10,000.00 to $24,999.99	2.08%	2.10%
$25,000.00 to $49,999.99	2.86%	2.90%
$50,000.00 and over	3.15%	3.20%

** Declared, paid and compounded monthly

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Certificate Accounts and IRA Certificate Accounts

Daily Balance	Rate	APY
180 Day Certificate (6 month)	3.154%	3.20%
12 month Certificate	3.251%	3.30%
18 month Certificate	3.30%	3.35%
24 month Certificate	3.494%	3.55%
30 month Certificate	3.59%	3.65%
36 month Certificate	3.687%	3.75%
48 month Certificate	3.83%	3.90%
60 month Certificate	4.218%	4.30%

**Sample Certificate Accounts, $1,000 minimum to open, penalty for early withdrawal.

Last Updated: June 16, 2008