Current Share & Share Certificate Rates

Share Rates

Dividend Rate APY $0.00 - $19,999.99 0.30% 0.30% $20,000 - $99,999.99 0.45% 0.45% >= $100,000 0.70% 0.70%

Effective November 1, 2008 to November 30, 2008

Payable December 1, 2008

View Previous Rates

Club and Checking Rates

Dividend Rate APY Holiday/Vacation Club Accounts 1.24% 1.25% Flexible Checking 0.20% 0.20%

Effective November 1, 2008 to November 30, 2008

Payable December 1, 2008

View Previous Rates

Insured Money Market Rates

Dividend Rate APY $.00 - $1,999.99 0.00% 0.00% $2,000 - $9,999.99 1.24% 1.25% $10,000 - $19,999.99 1.59% 1.60% $20,000 - $39,999.99 1.83% 1.85% $40,000 - $99,999.99 2.28% 2.30% >= $100,000 2.57% 2.60%

Effective November 1, 2008 to November 30, 2008

Payable December 1, 2008

View Previous Rates

Health Savings Accounts (HSAs)

Dividend Rate APY Health Savings Accounts 2.57% 2.60%

Effective November 1, 2008 to November 30, 2008

Payable December 1, 2008

View Previous Rates

IRA Share Rates

Dividend Rate APY $.00 - $99,999.99 1.83% 1.85% >= $100,000 2.57% 2.60%

Effective November 1, 2008 to November 30, 2008

Payable December 1, 2008

View Previous Rates

Share Certificate Accounts

Share IRA & Jumbo   Div. Rate APY Div. Rate APY 7 - 91 Days 2.182% 2.20% N/A N/A 6 - <12 Months 2.722% 2.75% 2.840% 2.87% 12 - <18 Months 3.016% 3.05% 3.133% 3.17% 18 - <24 Months 3.113% 3.15% 3.231% 3.27% 24 - <30 Months 3.260% 3.30% 3.377% 3.42% 30 - <36 Months 3.357% 3.40% 3.474% 3.52% 36 - <48 Months 3.650% 3.70% 3.766% 3.82% 48 - <60 Months 3.941% 4.00% 4.058% 4.12% >60 Months 4.135% 4.20% 4.252% 4.32% 9 Month Special 3.406% 3.45% 3.523% 3.57%

Effective November 18, 2008 to November 24, 2008

View Previous Rates

	Important disclosure information
APY = Annual Percentage Yield. Rates are subject to change weekly. $7,500 minimum investment for 7-91 day regular certificates. $500 minimum investment for 6-60 month regular & IRA certificates. $100,000 minimum investment for jumbo certificates. Fees and other conditions could reduce the earnings on the account.