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Current Rates
As of November 1, 2008*
APY - Annual Percentage Yield APR - Annual Percentage Rate

SAVINGS TYPES

MINIMUM DEPOSIT REQUIRED TO EARN

CURRENT % RATES

ANNUAL % YIELDS

INTEREST PAID

Share Savings	$100	0.35%	0.35%	Monthly
Club Magic	$1	0.35%	0.35%	Monthly
Money Market Tier 1 Tier 2 over $25,000	$1000 $25,000	1.14% 1.49%	1.15% 1.50%	Monthly Monthly

IRA	$100	2.00%	2.01%	Quarterly
Certificates and Term IRAs
3 Month	$500	2.62%	2.65%	Maturity
6 Month	$500	2.87%	2.90%	Quarterly
12 Month	$500	3.45%	3.50%	Quarterly
18 Month	$500	3.55%	3.60%	Quarterly
24 Month	$500	3.70%	3.75%	Quarterly
30 Month	$500	3.79%	3.85%	Quarterly
36 Month	$500	3.84%	3.90%	Quarterly
48 Month	$500	3.99%	4.05%	Quarterly
60 Month	$500	4.17%	4.25%	Quarterly

Jumbo Certificate

                 24 Month and over                                    $10,000                    earns 10 basis points (.1%) above regular rate         

                 24 Month and over                                    $25,000                    earns 25 basis points (.25%) above regular rate