PRIMARY SAVINGS             .25%   APR* Earned on average daily balance

SUB ACCOUNTS                    .15%   APR       

          Posted Quarterly

          Regular share accounts include life savings insurance up to $3,000.00
          at no charge to qualified members.

Money Market Accounts

IRA

Currently 0.65% APR


Certificates^  APR*     APY**

   6 mth  -       0.40%     0.40%

   1 year -       0.70%     0.70%

   2 year -       0.90%     0.90%

^Our certificates are compounded quarterly with a 10-day grace period at maturity.  Early withdrawals result in a 90-day dividend penalty.