Savings Dividend Rates 

	Annual Percentage Yield
Regular Savings and Clubs	0.50% APY
No Fee Money Market, $2,000 - $19,999.99	1.25% APY
No Fee Money Market, $20,000 and over	1.50% APY
No Fee Jumbo Money Market, $75,000.01 and over	1.75% APY
IRA Accumulator	1.50% APY
Dividend Checking	0.40% APY
Health Savings Account, below $2,500	1.25% APY
Health Savings Account, $2,500 - $9,999	1.50% APY
Health Savings Account, $10,000 and over	2.25% APY

'Vicki S. and the staff at the Antwerp branch are like family to my wife and me. We appreciate their warm, courteous service and their genuine concern for our well-being.'
Max H, Antwerp branch

Annual percentage yield on regular savings is accurate as of the last declaration date of 12/1/2008. Other rates are as of 10/1/2008. Rates may change after a savings, money market or checking account is opened. Disclosures available upon request. Minimum balance to earn is $100 for regular savings, $1,000 for IRA, $2,000 for money market, $75000.01 for jumbo money market and $100 for dividend checking. Fees could reduce earnings on accounts. We may offer different rates in the future.