As of June 30, 2008 Account APR (annual percentage rate) APY (annual percentage yield) Regular Savings Accounts $0.01 to $9,999.99 0.50% 0.50% $10,000.00 and over 0.75% 0.75% IRA Accounts All IRA Accounts 2.72% 2.75% Christmas Club Accounts All Christmas Club Accounts 1.24% 1.25% Monthly Dividend Accounts $20,000.00 Min. Balance 2.23% 2.25% Share Draft Accounts Avg. Daily Balance of $400.00 1.00% 1.00% Share Certificates Type of Certificate Term Minimum Deposit Rate of Interest 6-Month 6 Months $1,000.00 Please Check with member service for current rate One Year with Monthly Dividends Checks or Quarterly Compounded Dividends 365 days $2,500.00 Please Check with member service for current rate Two Year with Monthly Dividends Checks or Quarterly Compounded Dividends 730 days $2,500.00 Please Check with member service for current rate