Share & Deposit Rates

Share & Deposit rates effective 2-10-2010

Type	Terms	Rates	APY*
Passbook Share Account	Open	0.25%	0.25%

Statement Share Account	Open	0.30%	0.30%

Share Draft	Open	0.15%	0.15%

Money Market Account	Open	1.00%	1.01%

Passbook IRA Account	Open	1.49%	1.50%

Christmas Club	12 months	0.30%	0.30%

Certificates	3 Months	0.995%	1.00%
Certificates	6 Months	0.945%	0.95%
Certificates	9 Months	0.945%	0.95%
Certificates	12 Months	1.242%	1.25%
Certificates	24 Months	1.736%	1.75%
Certificates	36 Months	1.981%	2.00%

IRA Certificates	6 Months	0.945%	0.95%
IRA Certificates	9 Months	0.995%	1.00%
IRA Certificates	12 Months	1.242%	1.25%
IRA Certificates	24 Months	1.736%	1.75%
IRA Certificates	36 Months	1.981%	2.00%

Safe Deposit Box Rates
2 1/2 x 4 1/2	1 year	$18.00
4 1/2 x 4 1/2	1 year	$25.00
2 1/2 x 10	1 year	$35.00
4 1/2 x 10	1 year	$60.00
9 1/2 x 9 1/2	1 year	$95.00
Penalty on Early Withdrawal of Certificates.

* APY equals Annual Percentage Yield.