Effective 02/04/2010

Account Type	Minimum to open account	Minimun to earn the APY	Annual Percentage Yield	Interest Rate
MEMBERS	$100.00	$1,000.00	0.50	0.50
MEMBERS CLASSIC	$100.00	$1,000.00	0.50	0.50
NOW	$100.00	$2,500.00	0.50	0.50
		$1,000.00	0.25	0.25
MONEY MARKET	$100.00	$100,000.00	1.66	1.65
		$75,000.00	1.51	1.50
		$50,000.00	1.36	1.35
		$25,000.00	1.21	1.20
		$10,000.00	1.00	1.00
		$2,500.00	0.50	0.50
		$1,000.00	0.25	0.25
ELITE MONEY MARKET	$100.00	$100,000.00	2.02	2.00
		$50,000.00	1.61	1.60
		$10,000.00	1.00	1.00
		$1,000.00	0.25	0.25
STATEMENT SAVINGS	$25.00		1.51	1.50
3 MONTH CD	$500.00	$500.00	1.00	1.00
3 MONTH FIXED IRA	$100.00	$100.00	1.01	1.00
6 MONTH CD	$500.00	$500.00	1.36	1.35
6 MONTH FIXED IRA	$100.00	$100.00	1.36	1.35
12 MONTH CD	$500.00	$500.00	1.76	1.75
12 MONTH FIXED IRA	$100.00	$100.00	1.77	1.75
18 MONTH CD	$500.00	$500.00	1.96	1.95
18 MONTH FIXED IRA	$100.00	$100.00	1.97	1.95
24 MONTH CD	$500.00	$500.00	2.11	2.10
24 MONTH FIXED IRA	$100.00	$100.00	2.12	2.10
30 MONTH CD	$500.00	$500.00	2.26	2.25
30 MONTH FIXED IRA	$100.00	$100.00	2.28	2.25
36 MONTH CD	$500.00	$500.00	2.52	2.50
36 MONTH FIXED IRA	$100.00	$100.00	2.53	2.50
48 MONTH CD	$500.00	$500.00	2.77	2.75
48 MONTH FIXED IRA	$100.00	$100.00	2.79	2.75
60 MONTH CD	$500.00	$500.00	3.02	3.00
60 MONTH FIXED IRA	$100.00	$100.00	3.05	3.00
18 MONTH IRA VARIABLE	$100.00	$100.00	2.02	2.00