Savings Rates

SHARE RATES
Effective for the Dividend Period beginning 04/01/09
Dividend Declaration Date is 05/14/09

Balance To Earn Dividends	Nominal Rate	Annual Percentage Yield
Regular Savings
$ 25.00	.25%	.25%

Christmas Club
$ 25.00	1.00%	1.00%

Medical Savings
$ 200.00	.25%	.25%

IRA
$ 25.00	1.00%	1.00%

SHARE CERTIFICATES

Minimum Opening Deposit

$ 1000
3 mo	.79%	.80%
(Dividend paid at maturity)

$ 1000
6 mo	.89%	.90%
9 mo	1.09%	1.10%
12 mo	1.19%	1.20%
24 mo	1.34%	1.35%
36 mo	1.83%	1.85%
48 mo	2.03%	2.05%
60 mo	2.28%	2.30%
(Dividends compounded quarterly)

IRA Certificate

$ 500
12 mo	1.20%	1.20%
(Dividends paid at maturity)