Savings and Deposit Accounts

Savings Accounts
Description Of Account	Minimum Deposit To Open	Annual Percentage Yield	Rate Per  Annum *	Dividend Posting Period
Shares (Savings)	50.00	.30	.30	Quarterly
Share-Draft (Checking) Balance btwn $500 and $2,499.99	20.00	.15	.15	Quarterly
Share-Draft (Checking) Balance >= $2,500	20.00	.20	.20	Quarterly

Money Market Accounts
Description Of Account	Minimum Deposit To Open	Annual Percentage Yield	Rate Per  Annum *	Dividend Posting Period
Money Market Savings  $2,500 - $25,000	2,500	.75	.75	Quarterly
Money Market Savings  $25,001 - $75,001	25,001.00	.80	.80	Quarterly
Money Market Savings $75,001 and above	75,001.00	1.05	1.05	Quarterly

Certificate of Deposit Accounts (CD's)
Description Of Account	Minimum Deposit To Open	Annual Percentage Yield	Rate Per  Annum *	Dividend Posting Period
6 Month Term Certificate	1,000.00	.80	.80	At Maturity
12 Month Term Certificate	5,000.00	1.10	1.10	At Maturity
18 Month Term Certificate	5,000.00	1.15	1.15	At Maturity
24 Month Term Certificate	5,000.00	1.45	1.45	At Maturity
36 Month Term Certificate	5,000.00	1.80	1.80	At Maturity
48 Month Term Certificate	5,000.00	2.25	2.25	At Maturity
60 Month Term Certificate	5,000.00	2.90	2.90	At Maturity

IRA & IRA CD's
Description Of Account	Minimum Deposit To Open	Annual Percentage Yield	Rate Per  Annum *	Dividend Posting Period
IRA Savings	0.00	1.05	1.05	Quarterly
12 Month IRA Term Certificate	1,000.00	1.10	1.10	At Maturity
18 Month IRA Term Certificate	1,000.00	1.15	1.15	At Maturity
24 Month IRA Term Certificate	1,000.00	1.45	1.45	At Maturity
36 Month IRA Term Certificate	1,000.00	1.80	1.80	At Maturity
48 Month IRA Term Certificate	1,000.00	2.25	2.25	At Maturity
60 Month IRA Term Certificate	1,000.00	2.90	2.90	At Maturity

"We also offer Savings Bonds"

To learn more about Savings Bonds and buying them, go to Savings Bonds