Shares	Fees	Loans	Home Equity

SHARE CERTIFICATES
Effective Date: 03/12/2010
Rates are subject to change daily    *Early Withdrawal Penalty may apply

	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD	MINIMUM DEPOSIT!!
6 Month	.75%	.75%	$1,000.00
12 Month	1.29%	1.30%	$1000.00
18 Month	1.29%	1.30%	$500.00
24 Month	1.79%	1.80%	$500.00
30 Month	2.03%	2.05%	$500.00
36 Month	2.28%	2.30%	$500.00
48 Month	2.76%	2.80%	$500.00
60 Month	3.25%	3.30%	$500.00
Regular Share savings	.50%	.50%	$25.00
	.75%	.75%	$10,000.00
	1.00%	1.00	$40,000.00
Club Accounts	.50%	.50%	$1.00
IRA Accounts	1.50%	1.52%	$25.00