Investment Rates

Effective January 1, thru January 15, 2009

Type of Certificate Account	Dividend Rate	Annual Percentage Yield

Share& IRA Certificates (min. $1,000)
6 Months	2.39%	2.42%
12 Months	2.72%	2.75%
18 Months	2.96%	3.00%
24 Months	3.20%	3.25%
30 Months	3.25%	3.30%
36 Months	3.50%	3.56%
48 Months	3.83%	3.90%
60 Months	4.04%	4.12%

Roth IRA Share Certificates (min. $1,000)
12 Month	2.72%	2.75%
24 Month	3.20%	3.25%
36 Month	3.50%	3.56%

Education IRA Share Certificates (min. $500.00)
12 Month	2.72%	2.75%

Small Savers (no minimum required; build to $500.00/yr.)
12 Months	2.75%	2.75%

Young Savers (18 years of age & under, $1000 max., 1-yr. term)
12 Months	5.25%	5.38%

Penalty may be imposed for early withdrawals. Fees could reduce earnings on the account.

All rates subject to change without advance notice. For current information, inquire at any branch or call us.

Rates are in effect on the above dates, unless they fall on a holiday or weekend in which case they will be effective on the next business date.