RATES EFFECTIVE 06/30/10

SHARES             APR*    APY**    LOANS                APY**

DESCRIPTION                             DESCRIPTION

5 YR Certificate  2.00% 2.02%      Credit Card      9.99%

4 YR Certificate  2.00% 2.02%      4 YR Edu          5.50-16.99%
3 YR Cerificate   2.00% 2.02%      4 YR Used Car  6.00-11.50%

2 YR Certificate  1.25% 1.26%      4 YR Personal  11.99-17.49%

1 YR Certificate    .75%   .75%      5 YR Personal  12.49-12.99

9 mth.Certificate  .75%   .75%      4 YR HomeImp 6.00-17.49%

6 mth.Certificate  .75%   .75%      5 YR HomeImp 6.00-17.49%

3 mth.Certificate  .75%   .75%

Money Market      .65%   .65%        

IRA Account         .75%   .75%    

Regular Shares    .10      .10        

* Annual Percentage Rate: Rates subject to change without notice

** Annual Percentage Yield