ANTICIPATED DIVIDEND RATES

APY
APR
Shares
(Minimum $300 to earn stated APY)
0.25
0.25
     
Kid Shares
0.75
0.75
Education IRA
1.25
1.24
IRA Accounts
1.25
1.24
     
Money Market
(Minimum $2,500 to earn stated APY)
1.75
1.74
           
IRA Share Certificates
(Minimum $5,000)
 
APY
APR
12 Month
2.00
1.98
18 Month
2.25
2.23
24 Month
2.25
2.23
         
Share Certificates
6 Months
APY/APR
7 Months
APY/APR
12 Months
APY/APR
18 Months
APY/APR
24 Months
APY/APR
$1000 - $4,999
1.50/1.49
1.75/1.74
2.00/1.98
2.00/1.98
$5,000 +
1.75/1.74
2.00/1.98
2.25/2.23
2.25/2.23
$10,000 +
2.50/2.48

EFFECTIVE APRIL 1, 2008
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.