Specials / Market Index Certificate / Pay Day Certificate / Reg & Tax-Favored Certificates / Tax-Favored Savings Accounts / Money Market Account / Payroll Plus / Share Dividends / Business Share Accounts  Specials Investment Rates Effective Date Of APY: March 8, 2010 No Specials at this Time. Top Market Index Certificate  3 or 5 years $500 Minimum Return based on the performance of the Dow Jones Industrial Average Top Pay Day Certificate $100.00 Minimum 1.80% APY $10.00 Minimum deposits may be transferred from most savings and checking accounts: weekly, bi-weekly, semi-monthly or monthly Top Reg & Tax-Favored Certificates Term Minimum Balance Required for APY APY 6 Month $1000+ 1.05% 12 Month Youth $100.00 Additions allowed to Youth Certificate - $50 minimum 1.15% 1 Year $1000+ 1.15% 18 Month $1000+ 1.40% 2 Year $1000+ 1.50% 3 Year $1000+ 1.85% 4 Year $1000+ 1.95% 5 Year $1000+ 2.55% There may be a penalty for early withdrawal on certificate accounts. Dividends are calculated daily and paid monthly. Top Tax-Favored Savings Accounts Traditional and Roth IRAs,  Health Savings Accounts and Coverdell Educational Savings Accounts Amount Required for APY APY $0-$9,999 .25% $10,000-$49,999 0.50% $50,000-$99,999 0.75% $100,000-$499,999 1.00% $500,000-$999,999 1.75% $1,000,000 and up 2.25% Unlimited deposits and withdrawals with no penalties as permitted by IRS Top Money Market Account Amount Required for APY APY $0-$9,999 .25% $10,000-$49,999 .50% $50,000-$99,999 0.75% $100,000-$499,999 1.00% $500,000-$999,999 1.75% $1,000,000 and up 2.25% Minimum Balance to open is $1000.00. Fees could reduce earnings on this account. Top Payroll Plus Regular, Traditional IRA and Roth IRA Amount Required for APY APY $500 or more 1.50% $0.01 to $499.99 0.75% Top Share Dividends Declared Dividends - October - December 31, 2009.  The Board of Directors declared these dividend rates for the quarter ending December 31, 2009.  Dividends for the new quarter will be declared March 2010. Account APY Basic Membership Savings Account 0.50% Preferred Youth SavingsAccount 0.50% Christmas Club Savings Account 0.50% Vacation Savings Account 0.25% Life Insurance Savings Accounts 0.25% Vacation Fund Account 0.25% U.S. Bond Savings Account 0.25% Checking Plus Account 0.25% e-Checking - $0.00 to $1,000 (paid monthly) e-Checking - above $1,000 (paid monthly) 1.60% 0.80%  Top Business Share Accounts Declared Dividends - October  1 - December 31, 2009  The Board of Directors declared these dividend rates for the quarter ending December 31, 2009.  Dividends for the new quearter will be declared in March 2010. Account  APY Business Basic Savings 0.50% Business e-Checking - to $1000.00 (paid monthly) Business e-Checking - above $1000.00 (paid monthly)   1.60% 0.80% Business Money Market APY $0-$9,999 0.25% $10,000-$49,999 0.50% $50,000-$99,999 0.75% $100,000-$499,999 1.25% $500,000-$999,999 1.75% $1,000,000 and up 2.25%   APY = ANNUAL PERCENTAGE YIELD The above dividend rates were declared by the Board of Directors for the quarter ending  September 30, 2009. Dividend for the next quarter will be declared in December, 2009. Dividends are calculated daily, compounded and paid quarterly.  Fees could reduce earnings on these accounts. No minimum balance required for APY. Top
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