Rates Efftective October 1, 2009.

Deposit Account Nominal Rate APY* Term

Share (Savings) 0.75% 0.75% N/A

Share Drafts 0.25% 0.25% N/A

Club Accounts 0.75% 0.75% N/A

IRA - Traditional, Roth or Coverdell (Education) Accounts 0.75% 0.75% N/A

*APY - Annual Percentage Yield
All rates are subject to change without notice.