Share Certificates

Certificates -		Share Certificates		IRA Certificates
	Minimum Deposit	Dividend Rate	APY*	Dividend Rate	APY*
Share Certificate - 6 months	$1,000	0.90	0.90	1.15	1.16
6 months	$25,001	0.95	0.96	1.20	1.21
6 months	$75,001	1.00	1.00	1.25	1.26
6 months	$125,001	1.05	1.06	1.30	1.31
Share & IRA Certificate - 1 year	$1,000	1.20	1.21	1.45	1.46
1 year	$25,001	1.25	1.26	1.50	1.51
1 year	$75,001	1.30	1.31	1.55	1.56
1 year	$125,001	1.40	1.41	1.65	1.66
Share & IRA Certificate - 2 year	$1,000	1.80	1.81	2.05	2.07
2 year	$25,001	1.85	1.87	2.10	2.12
2 year	$75,001	1.90	1.92	2.15	2.17
2 year	$125,001	1.95	1.97	2.20	2.22
Share & IRA Certificate - 3 year	$1,000	2.40	2.43	2.65	2.68
3 year	$25,001	2.45	2.48	2.70	2.73
3 year	$75,001	2.50	2.53	2.75	2.78
3 year	$125,001	2.55	2.58	2.80	2.84
Share & IRA Certificate - 5 year	$1,000	2.95	2.99	3.20	3.25
5 year	$25,001	3.00	3.04	3.25	3.30
5 year	$75,001	3.05	3.09	3.30	3.35
5 year	$125,001	3.10	3.14	3.35	3.40