Savings & Certificate Rates effective as of 3/1/2010

Silver Share Certificates	Minimum Deposit	APY*	Dividend Rate
90 Days	$1,000	1.00%	1.00%
6 Months	$1,000	1.20%	1.19%
1 Year	$500	1.25%	1.24%
2 Year	$500	1.60%	1.59%
3 Year	$500	2.15%	2.13%
4 Year	$500	2.50%	2.48%
5 Year	$500	2.75%	2.72%

Silver Share Certificate Specials	Minimum Deposit	APY*	Dividend Rate
1 Year - Home Buyers Certificate+	$500	1.25%	1.24%

IRA Share Certificates	Minimum Deposit	APY*	Dividend Rate
1 Year	$1,000	1.00%	1.00%
2 Year	$1,000	1.35%	1.34%
3 Year	$1,000	1.90%	1.89%
4 Year	$1,000	2.25%	2.23%
5 Year	$1,000	2.50%	2.48%

Savings	Minimum Balance	APY*	Dividend/ Interest Rate
Share Savings	$5.00	0.40%	0.40%
IRA Share Savings	None	0.40%	0.40%
Christmas Club	None	0.45%	0.45%
Vacation Club	None	0.40%	0.40%