Savings Rates: Effective January 1, 2009

Share Savings
Shares Dividend Rate APY*
Primary Shares .25%  .25%
IRA Shares .50% .50%
Shares 7-99  .25%  .25%
Loan Payment  .25%  .25%
Club Accounts .25% .25%
Escrow 1.50% 1.51%
     

Share rates declared monthly.  To earn dividends, $100 minimum balance on Primary shares, $25.00 on IRA Shares, Club accounts and Share accounts 7-99 required. 
*ANNUAL PERCENTAGE YIELD

Checking
  Accelerated Rate APY*
Tier 1 $0.00 - $5,000.00 0.25% 0.25%
Tier 2 $5,000.01 - $10,000.00 0.75% 0.75%
Tier 3 $10,000.01 and greater 1.00% 1.00%
  Advantage Checking Rate APY*
    0.25% 0.25%

Must maintain an average daily balance of $5,000 in the Accelerated Checking and $1,000 in the Advantage Checking to avoid a monthly fee.
*ANNUAL PERCENTAGE YIELD

Money Market
  Maxi Money Market** Rate APY*
Tier 1 $2,500.00 - $9,999.99 .50% .50%
Tier 2 $10,000.00 - $24,999.99 .60% .60%
Tier 3 $25,000.00 - $49,999.99  .75% .75%
Tier 4 $50,000.00 - $99,999.99  .90%  .90%
Tier 5 $100,000.00 and greater 1.00% 1.00%
  25 Karat Money Market*** Rate APY*
Tier 1 $0.00 to $49,999.99 1.24% 1.25%
Tier 2 $50,000.00 to $99,999.99 1.49% 1.50%
Tier 3 $100,000.00 and greater 1.98% 2.00%
       

*ANNUAL PERCENTAGE YIELD
**Balance to earn dividends is $2,500.
***Balance to open account $25,000; dividends earned on $0.01 or greater. If balance falls below $25,000 at any time during the month, a $20 fee will be assessed.

Share Certificates
Term Dividend Rate APY*
3 Months 1.73% 1.75%
6 Months 1.98% 2.00%
9 Months 2.23% 2.25%
12 Months 2.47% 2.50%
Tiger Troop (1 year term) 2.47% 2.50%
Extreme Teen (1 year term) 2.47% 2.50%
18 Months 2.47% 2.50%
24 Months 2.71% 2.75%
36 Months 2.96%

3.00%

48 Months 3.20% 3.25%
60 Months 3.44% 3.50%
     

To earn dividends, $1,000 minimum balance required, except for Tiger Troop and Extreme Teen members which is $500.00.
*ANNUAL PERCENTAGE YIELD

Jumbo Share and IRA Certificates available--call for rates.

IRA Share Certificates
Term Dividend Rate APY*
3 Months 1.98% 2.00%
6 Months 2.23% 2.25%
9 Months 2.47% 2.50%
12 Months 2.71% 2.75%
18 Months 2.71% 2.75%
24 Months 2.96% 3.00%
36 Months 3.20% 3.25%
48 Months 3.44% 3.50%
60 Months 3.68% 3.75%
     

$500.00 minimum balance to earn dividends. A certificate dividend penalty may be imposed for early withdrawal and may affect APY*.  Rates are fixed for the term of the share and IRA certificates.
*APY - ANNUAL PERCENTAGE YIELD