DIVIDEND RATES

Truth-in-Savings Disclosure

Deposit Accounts

                                                                 APR                            APY

Shares                                                   0.65%                      0.65%

                                                  Super Money Market                                                    0.65%                      0.65%
                                                  Minimum $2500.00    

                                                    IRA CLUB                                                                      0.40%                     0.40%

                                                     Clubs                                                                            0.40%                     0.40%

 

Certificate of Deposits

6 Months                                                  0.50%                       0.50%

1 Year                                                       0.70%                       0.70%

2 Years                                                     1.00%                       1.00%

3 Years                                                     1.25%                       1.26%
minimum deposit: $1,000.00

Rates Effective Through January 2012

**DIVIDEND RATES ARE SUBJECT TO CHANGE MONTHLY**