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Share Certificate Rates

(as of October 13, 2008)

Amount/Term

RATE*

APY*

$1,000

6 months

2.08%

2.10%

12 months

2.43%

2.45%

24 months

2.62%

2.65%

$2,500

6 months

2.86%

2.90%

12 months

3.20%

3.25%

24 months

3.40%

3.45%

$5,000

6 months

2.96%

3.00%

12 months

3.30%

3.35%

24 months

3.49%

3.55%

$10,000

6 months

3.06%

3.10%

12 months

3.40%

3.45%

24 months

3.59%

3.65%

$25,000

6 months

3.15%

3.20%

12 months

3.49%

3.55%

24 months

3.69%

3.75%

$40,000

6 months

3.25%

3.30%

12 months

3.59%

3.65%

24 months

3.78%

3.85%

$50,000

6 months

3.35%

3.40%

12 months

3.69%

3.75%

24 months

3.88%

3.95%

$100,000

6 months

3.83%

3.90%

12 months

4.17%

4.25%

24 months

4.36%

4.45%

*Rate = Dividend rate. APY = Annual percentage yield. Rates subject to change without notice. Please see terms and conditions.

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