Rates effective as of 08/26/10 Shares Minimum Balance Dividend/ Interest Rate APY* Share Savings $25.00 .75% .76% Share Checking $100/open .20% .20% *APY = Annual Percentage Yield Certificates Minimum Deposit Dividend/ Interest Rate APY* 6-month CD / IRA-CD $1000 .90% .90% 12-month CD/IRA-CD $1000  1.15%  1.16%  24-month CD / IRA-CD $1000 1.30% 1.31% 36-month CD/ IRA-CD $1000  1.02% 1.03%         Money Market Account $2500 0.65% 0.65% IRA Savings   .90% .92% *APY = Annual Percentage Yield