Rates accurate as of 01/01/2009

TERM/BALANCE       RATE   APY  Regular/IRA Share Certificates* 3 months 1.739 1.75% 6 months 2.231 2.25% 12 months 2.722 2.75% 18 months 2.967 3.00% 24 months 3.210 3.25% 36 months 3.455 3.50% 48 months 3.698 3.75% 60 months 3.941 4.00% SPECIAL 23 months 3.309 3.35% *$1,000 minimum balance to open **$10,000 minimum balance to open    Certificate Special  moneyMAX Money Market Account* $2,500-$24,999.99 0.747 0.75% $25,000-$99,999.99 0.996 1.00% $100,000-$249,999 1.144 1.15% $250,000 & Over 1.293 1.30% *$2,500 minimum balance. Must have direct deposit or checking account  iChecking Accounts* $1,000-$9,999.99 0.498 0.50% $10,000-$24,999.99 0.747 0.75% $25,000 & Over 0.996 1.00% *$1,000 minimum balance  IRA Share & HSA Checking $0-$299.00  0.000 0.00% $300-$24,999.99  0.498 0.50% $25,000-$99,999.99 0.747 0.75% $100,000-$249,999 0.996 1.00% $250,000 & Over 1.144 1.15%  Regular Share/Club Accounts $0-$299.99 0.000 0.00% $300.00 & Over 0.349 0.35% APY = Annual Percentage Yield