Savings Rates

Account Type	Dividend Rate	APY*	Term
Share Account	.30	.30	N/A
Sub-Share Account	.30	.30	N/A
Christmas Club Account	.30	.30	N/A
Vacation Club Account	.30	.30	N/A
Super Youth Account	5.30	5.41	N/A
Share Draft Account	.05	.05	N/A
6 Month Certificate	3.50	3.50	6
12 Month Certificate	3.50	3.50	12
24 Month Certificate	3.00	3.03	24
36 Month Certificate	2.00	2.02	36

*APY = Annual Percentage Yield. Displayed dividend rate is last quarterly dividend paid. Dividends are based on the quarters earnings, and cannot be guaranteed for future dividend periods.  All rates subject to change without notice. Fees may reduce the earnings.