Current Savings Rates

Rates Effective 07/25/2006

ACCOUNT TYPE	NOMINAL RATE	**APY
Regular Share Account
	.250%	.250%
TOP
Regular IRA Account
	.250%	.250%
TOP
IRA Share Certificates
6 Months	2.75%	2.79%
9 Months	2.80%	2.84%
12 Months	2.85%	2.89%
24 Months	3.00%	3.04%
36 Months	3.20%	3.25%
TOP
Christmas Clubs
	..250%	.250%
TOP
Vacation Clubs
	.250 %	.250%
TOP
Share Certificates (Regular Shares)
6 Months	2.75%	2.79%
9 Months	2.80%	2.84%
12 Months	2.85%	2.89%
18 Months	N/A	N/A
24 Months	3.00%	3.04%
36 Months	3.20%	3.25%
TOP
**APY is the Annual Percentage Yield.