Rates Effective as of DECEMBER 4, 2008

Certificates of Deposit
TERM	Interest Rate	APY*
6 Month - $1000 min	2.50%	2.52%
1 Year - $1000 min	2.75%	2.78%
1 Year- $25000 min	2.90%	2.93%
1 Year - $50000 min	3.00%	3.03%
1 Year - $100,000 min	3.10%	3.14%
2 Year - $1000 min	2.85%	2.88%
2 Year- $25000 min	3.00%	3.03%
2 Year - $50000 min	3.10%	3.14%
2 Year- $100,000 min	3.20%	3.24%
3 Year - $1000 min	3.40%	3.44%

*Annual Percentage Yield
Penalty for early withdrawal.

Savings Plans
Account Type	Interest Rate	APY*
Passbook $50 MINIMUM BALANCE REQUIRED	1.00%	1.00%
Christmas Club $3000 MAXIMUM DEPOSIT	3.00%	3.00%
Spunky Savers $25 MINIMUM BALANCE REQUIRED	1.00%	1.00%
IRA $250 MIN DEPOSIT	3.25%	3.29%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may affect earnings on the accounts.

Checking Accounts
Account Type	Interest Rate	APY*
Interest $200 MINIMUM BALANCE REQUIRED	.25%	.25%
Money Market $1000	.30%	.30%
Investment $ 0 - 4,999.99	0.00%	0.00%
Investment $ 5,000 - 24,999.99	.30%	.30%
Investment $25,000 - 49,999.99	.40%	.40%
Investment $50,000 - 74,999.99	.50%	.50%
Investment $75,000 - 99,999.99	.60%	.60%
Investment $100,000 or more	.70%	.70%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may affect earnings on the accounts.