Dividend Rates

Savings Rates – Effective Friday, January 1, 2010
Account Type APR APY Minimum
Deposit		 Minimum
Balance
REGULAR SHARES 0.350% 0.000% – 0.350% $0.00 $100.00
MONEY MARKET ACCOUNT 1.250% 0.000% – 1.260% $7,500.00 $7,500.00
MONEY MARKET ACCOUNT 1.500% 0.000% – 1.510% $7,500.00 $25,000.00
MONEY MARKET ACCOUNT 2.000% 0.000% – 2.020% $7,500.00 $50,000.00
DIAMOND ACCOUNT 0.910% 0.000% – 0.910% $3,000.00 $3,000.00
TRADITIONAL IRA SH 2.000% 0.000% – 2.020% $0.00 $0.00
VACATION ACCOUNT 0.350% 0.000% – 0.350% $0.00 $100.00
CHRISTMAS CLUB 0.350% 0.000% – 0.350% $0.00 $100.00
CHECKING ACCOUNT 0.000% 0.000% – 0.000% $0.00 $0.00

APR=Annual Percentage Rate