Savings Rates

Account TypeAPY*
Share Accounts0.50%
Christmas Club Accounts0.50%
Vacation Club Accounts0.50%
IRA Shares2.50%
6-month Certificates1.00%
12-month Certificates1.5%
24-month Certificates2.00%

* APY = Annual Percentage Yield
Rates effective as of September 30, 2006