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3 months

2.25%

2.50%

6 months

12 months

3.25%

24 months

3.50%

36 months

4.00%

Rates stated above are for certificates with a minimum deposit of $500 which dividends are compounded and paid quarterly. A withdrawal of dividends before maturity will be subject to penalty and will reduce the APR. Please view the Truth-In-Savings Disclosure for complete details on specific Share Certificates, including account limitations, dividend compounding, dividend crediting and method used to compute dividends,


*APY is accurate as of September 30, 2008