Type of Account	Dividend Rate	Annual Percentage Yield (APY)
Regular Shares*	0.25%	0.25%
Youth Saver Shares*	0.25%	0.25%
Holiday Saver Account *	0.25%	0.25%
Vacation Club*	0.25%	0.25%
Anticipated Dividend Rate for the Month Ending 01/31/10
Dividend Checking*	0.10%	0.10%
Dividend Rate for the Month ending 01/31/10
Variable Rate IRA* Dividend Rate Declared 12/21/09 Eff. 01/31/10	1.19%	1.20%
Money Market Account* Dividend Rate Declared 12/21/09 Eff.01/01/10	0.60%	0.60%
Premium Money Market Account**        Dividend Rate Declared 12/21/09 Eff. 01/01/10	1.00%	1.00%

Term Share*** Certificates	Minimum Balance	Dividend Rate	Annual Percentage  Yield (APY)
3 months	$2500	0.60%	0.60%
6 months	$2500	0.90%	0.90%
12 months	$1000	1.14%	1.15%
18 thru 23 mos.	$1000	1.39%	1.40%
24 thru 35 mos.	$1000	1.74%	1.75%
36 thru 47 mos.	$1000	2.18%	2.20%
48 thru 59 mos.	$1000	2.62%	2.65%
60 months	$1000	2.96%	3.00%

IRA Term Share*** Certificates	Minimum Balance	Dividend Rate	Annual Percentage Yield (APY)
Trad'l   Roth   Educ.
12 months**	$500	1.14%	1.15%
18 thru 23 mos.	$500	1.39%	1.40%
24 thru 35 mos.	$500	1.74%	1.75%
36 thru 47 mos.	$500	2.18%	2.20%
48 thru 59 mos.	$500	2.62%	2.65%
60 months	$500	2.96%	3.00%

*Variable rate accounts, rates subject to change at any time.

**Additional deposits of a minimum of $100 may be made to this account.

***A penalty may be imposed for early withdrawal

For current & promotional rates, call our New Accounts Representative at (714) 871-8400