| Share Accounts |
| Type |
Annual Percentage Yield |
Annual Dividend Rate |
| Share Account |
.30% |
.30% |
| Holiday Club |
.30% |
.30% |
| Planet M Shares |
.30% |
.30% |
| Regular IRA Shares |
.60% |
.60% |
| Money Market Plateau Shares |
| Plateau Level |
Annual Percentage Yield |
Annual Dividend Rate |
| $2,000.00-$9,999.99 |
.60% |
.60% |
| $10,000.00-$24,999.99 |
1.50% |
1.49% |
| $25,000.00-$49,999.99 |
2.00% |
1.98% |
| $50,000.00-UP |
2.25% |
2.23% |

| Share Certificates* |
| Terms |
Annual Percentage Yield |
Annual Dividend Rate |
| 6 months - 11 months |
2.55% |
2.52% |
| 12 months - 23 months |
2.75% |
2.71% |
| 24 months - 35 months |
2.80% |
2.76% |
| 36 months - 59 months |
3.00% |
2.96% |
| 60 months |
3.20% |
3.15% |
| *$500 Minimum |
| |
| Note: All rates are subject to change
as conditions warrant. Above Share Certificate terms/rates are also
available for IRA investments. A penalty may be imposed for early
withdrawals. |
*Note: The above certificate special is only available on funds deposited from another financial institution.
$1,000 minimum deposit required |

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