Investment Rates

Type/Term	Dividend Rate*	Annual Percentage Yield (APY)	Conditions
Rates are effective as of June 1, 2010 and can change at any time
Accounts
Share	0.25%	0.25%	$100.00 and up
Christmas Club	0.25%	0.25%	$100.00 and up
Scottie Saver Club	0.25%	0.25%	$25.00 and up
Money Market	0.25% 0.40% 0.70% 1.00%	0.25% 0.40% 0.70% 1.00%	$2,500.00 - $7,499.00 $7,500.00 - $14,999.00 $15,000.00 - $24,999.00 $25,000.00 - and up
IRA Share	0.50%	0.50%	$5.00 and up***
Share Certificates****
6 month	1.00%	1.00%	$500.00 min. deposit
12 months	1.24%	1.25%	$500.00 min. deposit
18 months	1.34%	1.35%	$500.00 min. deposit
24 months	1.49%	1.50%	$500.00 min. deposit
30 months	1.99%	2.00%	$500.00 min. deposit
36 months**	1.99%	2.00%	$500.00 min. deposit
48 months	2.48%	2.50%	$500.00 min. deposit
60 months	2.72%	2.75%	$500.00 min. deposit
IRA Share Certificates****
12 months	1.24%	1.25%	$250.00 min. deposit
18 months	1.34%	1.35%	$250.00 min. deposit
24 months	1.49%	1.50%	$250.00 min. deposit
30 months	1.99%	2.00%	$250.00 min. deposit
36 months**	1.99%	2.00%	$250.00 min. deposit
48 months	2.48%	2.50%	$250.00 min. deposit
60 months	2.72%	2.75%	$250.00 min. deposit
0.25% increase applies if at least four of the listed services below are used: Share Draft Account Visa Credit Card Advantage Check Card Direct Deposit or Payroll Deduction IRA Account Share certificate Mortgage Loan or Consumer Loan Adjust-a-Rate $250.00 balance required to receive a certificate. **A penalty may be imposed for early withdrawal.