Current Rates for the period November 19 - December 2, 2008

Share, Share Draft, Ira Share and Club Accounts
The prospective dividend rate and annual percentage yield (APY) on these variable rate accounts may change every quarter based on the determination of the board of directors.

Money Market Accounts
The prospective dividend rate and annual percentage yield (APY) may change every month based on the determination of the board of directors.

Term Share and IRA Term Share Accounts
For these fixed rate accounts, the stated rate at account opening is in effect until maturity. Early withdrawal penalties apply.

The Minimum Balance, as listed below, refers to the Average Daily Balance for the period.

Truth in Savings Disclosures may be obtained by contacting a member service representative.

Share Account	APY	Dividend Rate	Minimum Balance
Share Accounts	.50%	.50%	$250.00
Share Draft Accounts*  *Excludes business accounts	.25%	.25%	$2500.00
Money Market Account
	APY	Dividend Rate	Minimum Balance
$2500.00 to $19,999.99	1.26%	1.25%	$2500.00
$20,000.00 to $74,999.99	1.51%	1.50%	$20,000.00
$75,000 or more	2.02%	2.00%	$75,000.00
Term Share Accounts
	APY	Dividend Rate	Minimum Balance
13 week term	2.63%	2.60%	$2,000.00
06 month term	2.83%	2.80%	$2,000.00
12 month term	3.44%	3.40%	$1,000.00
24 month term	3.80%	3.75%	$500.00
36 month term	3.91%	3.85%	$500.00
48 month term	4.06%	4.00%	$500.00
60 month term	4.22%	4.15%	$500.00

Individual Retirement Accounts
	APY	Dividend Rate	Minimum Balance
06 month term	2.83%	2.80%	$2000.00
12 month term	3.44%	3.40%	$1000.00
24 month term	3.80%	3.75%	$500.00
36 month term	3.91%	3.85%	$500.00
48 month term	4.06%	4.00%	$500.00
60 month term	4.22%	4.15%	$500.00

• IRA Share Accounts

	APY	Dividend Rate	Minimum Balance
	1.26%	1.25%	$250.00
	1.76%	1.75%	$20,000.00