Deposit Rates as of January 25, 2008

Shares

	Minimum Deposit	Annual Percentage Rate	Annual Yield	Dividends Paid
Regular Share and Special Savings	$100	0.60%	0.60%	quarterly
	$2000	0.60%	0.60%	quarterly
Share Draft	no minimum	access with VISA Check Card
Money Market	$1000	1.00%	1.00%	quarterly

Share Certificates

Term	Minimum Deposit	Annual Percentage Rate	Annual Yield	Dividends Paid
6 month	$500	2.00%	2.00%	maturity
12 month	$500	2.25%	2.25%	maturity
24 month	$500	2.25%	2.25%	annually

(Penalty for early withdrawal on all Certificates)

IRA Share Certificates

Term	Minimum Deposit	Annual Percentage Rate	Annual Yield	Dividends Paid
Open Account	$250	1.00%	1.00%	quarterly
12 month	$500	2.25%	2.25%	maturity
24 month	$500	2.25%	2.25%	annually

All rates are subject to change without notice.