DIVIDEND RATES

Truth-in-Savings Disclosure

Deposit Accounts

                                                                 APR                            APY

Shares                                                        0.75%                     0.76%

                                                  Super Money Market                                     0.75%                      0.76%
                                                  Minimum $2500.00

                                                    IRA CLUB                                                  0.50%                       0.50%

                                                     Clubs                                                        0.50%                        0.50%

 

Certificate of Deposits

6 Months                                                    1.00%                      1.00%

1 Year                                                        1.25%                       1.26%

2 Years                                                       1.50%                       1.51%

3 Years                                                        2.00%                       2.02%
minimum deposit: $1,000.00

Rates effective September 2010

**DIVIDEND RATES ARE SUBJECT TO CHANGE MONTHLY**