Share Certificate Rates (Share and IRA)
Effective June 1, 2009

Minimum Balance Requirement $500.00-$19,999.99.

Term	Dividend Rate	APY*	Royal Member Dividend Rate	Royal Member APY*
6 months	1.59%	1.60%	1.84%	1.86%
1 year	1.83%	1.85%	2.08%	2.10%
2 year	2.28%	2.30%	2.53%	2.56%
3 year	2.52%	2.55%	2.77%	2.80%
4 year	2.52%	2.55%	2.77%	2.80%
5 year	2.52%	2.55%	2.77%	2.80%

Minimum Balance Requirements $20,000-$49,999.99.

Term	Dividend Rate	APY*	Royal Member Dividend Rate	Royal Member APY*
6 months	1.64%	1.65%	1.89%	1.91%
1 year	1.88%	1.90%	2.13%	2.15%
2 year	2.33%	2.35%	2.58%	2.61%
3 year	2.57%	2.60%	2.82%	2.86%
4 year	2.57%	2.60%	2.82%	2.86%
5 year	2.57%	2.60%	2.82%	2.86%

Minimum Balance Requirements $ 50,000 & Over

Term	Dividend Rate	APY*	Royal Member Dividend Rate	Royal Member APY*
6 months	1.64%	1.65%	1.89%	1.91%
1 year	1.88%	1.90%	2.13%	2.15%
2 year	2.33%	2.35%	2.58%	2.61%
3 year	2.57%	2.60%	2.82%	2.86%
4 year	2.57%	2.60%	2.82%	2.86%
5 year	2.57%	2.60%	2.82%	2.86%

  Click here for information about becoming a Royal Member.

*APY = Annual Percentage Yield. Early withdrawal penalties may apply on Share Certificate accounts. Rates are subject to change and are fixed for the term of the certificate. Certificate dividends compound and post monthly.