Rates - Dividend Rates

SHARES	RATE	APY
SHARE/SAVINGS	0.75%	0.75%
LIFE SAVINGS	0.30%	0.30%
DRAFT/CHECKING	0.15%	0.15%
IRA	3.50%	3.55%
PREMIUM SAVERS **
Tier One $10,000.00-$24,999.99	2.25%	2.27%
Tier Two $25,000 and over	2.50%	2.52%

CERTIFICATES - Rates effective July 1 , 2008
(Certificate Rates Subject to change without notice)

TERMS	RATE	APY
6 MONTH TERM (MINIMUM $1,000.00)	2.50%	2.53%
1 YEAR TERM (MINIMUM $5,000.00)	2.65%	2.68%
2 YEAR TERM (MINIMUM $5,000.00)	2.75%	2.78%

EARLY WITHDRAWAL PENALTY:
6 MONTH CERTIFICATES = 30 DAYS INTEREST
1 & 2 YEAR CERTIFICATES = 90 DAYS INTEREST
*APY = Annual Percentage Yield
** Premium Savers Accounts (This is actual rate to be declared 06-30-08 for 2nd quarter 2008)
The estimated rates for 3rd quarter 2008 are as follows:
Tier One – Rate 1.95% - APY - 1.96%
Tier Two – Rate 2.20% - APY – 2.22%

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