*Rates are subject to change without notice*

		Rate	APY
Share ($50.00 above)		.10%	.10%
Checking (Share Draft)		N/A	N/A
Early Bird Savings Club		.49 (1st $1,000)	.50
Early Bird Savings Club		.10	.10
Certificate of Deposit (Minimum $500.00)		Rate	APY
6 months		3.88%	3.95%
12 months		3.62%	3.68%
18 months		3.49%	3.55%
24 months		3.32%	3.37%
30 months		3.26%	3.31%
48 months		3.19%	3.24%
60 months		3.18%	3.23%
Early Bird Savings Club  Max Amt. $1,000, One Per Account		3.50%	3.55%
Money Market - Diamond Share		Rate	APY
Tier I: $1,000 - $9,999.99		1.49%	1.50%
Tier II: $10,000 - $49,999.99		1.58%	1.60%
Tier III: $50,000 - $99,999.99		1.83%	1.85%
Tier IV: $100,000 - Above		2.08%	2.10%
Individual Retirement Account		Rate	APY
Traditional		.49%	.50%
Roth		.49%	.50%