Specials / Market Index Certificate / Pay Day Certificate / Reg & Tax-Favored Certificates / Tax-Favored Savings Accounts / Money Market Account / Payroll Plus / Share Dividends  Specials Investment Rates Effective Date Of APY: January 2, 2009 20 Month, 3.50% APY        Minimum Balance $1000.00 Available on Regular Certificates, Roth and Traditional IRAs Certificates There may be a penalty for early withdrawal on certificate accounts.  Dividends are calculated daily and paid monthly. 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 3.25% 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+ 2.80% 12 Month Youth $100.00 Additions allowed to Youth Certificate - $50 minimum 3.00% 1 Year $1000+ 3.00% 18 Month $1000+ 3.10% 2 Year $1000+ 3.15% 3 Year $1000+ 3.60% 4 Year $1000+ 4.00% 5 Year $1000+ 4.25% 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 1.00% $10,000-$49,999 1.25% $50,000-$99,999 1.50% $100,000-$499,999 1.75% $500,000-$999,999 2.50% $1,000,000 and up 3.00% Unlimited deposits and withdrawals with no penalties as permitted by IRS Top Money Market Account Amount Required for APY APY $0-$9,999 1.00% $10,000-$49,999 1.25% $50,000-$99,999 1.50% $100,000-$499,999 1.75% $500,000-$999,999 2.50% $1,000,000 and up 3.00% 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 1.75% $0.01 to $499.99 1.00% Top Share Dividends Declared July 1 - September 30, 2008 Account APY Basic Membership Savings Account 1.00% Preferred Youth SavingsAccount 1.00% Christmas Club Savings Account 1.00% Vacation Savings Account 0.50% Life Insurance Savings Accounts 0.50% Vacation Fund Account 0.50% U.S. Bond Savings Account .50% Checking Plus Account .50% eChecking - $0.00 to $1,000 (paid monthly) eChecking - bal. above $1,000 (paid monthly) 4.00% 2.00%  APY = ANNUAL PERCENTAGE YIELD The above dividend rates were declared by the Board of Directors for the quarter ending  December 31, 2008. Dividend for the next quarter will be declared in March, 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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