Savings Rates

Savings Dividend Rates
Share Certificate Rates
IRA Certificate Rates

Savings Dividend Rates

Effective Date: 9/1/2010

Type APY(Annual Percentage Yield)

Regular Savings and Clubs 0.25%

No Fee Money Market, $2,000 - $19,999.99 0.40%

No Fee Money Market, $20,000 and over 050%

No Fee Jumbo Money Market, $75,000.01 and over 0.75%

IRA Accumulator 0.40%

Certificate Accumulator 0.25%

Dividend Checking 0.25%

Health Savings Account, below $2,500 0.40%

Health Savings Account, $2,500 - $9,999 0.50%

Health Savings Account, $10,000 and over 1.25%

Annual percentage yield on regular savings is accurate as of the last declaration date of 7/1/2010. Other rates are as of 9/1/2010. 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. APY = annual percentage yield.

Want to open a savings certificate but don't have time to come into the branch? GenFed encourages you to open additional accounts online. You can open a Vacation or Christmas Club account, an Escrow account, non-IRA savings certificates, and savings accounts from the privacy of your own home. Log into your HomeBanking account to find out more.

Share Certificate Rates

Effective Date: 9/1/2010

Term APY(Annual Percentage Yield)

3 Month* 0.25%

6 Month 0.30%

9 Month 0.45%

12 Month 0.60%

18 Month 0.80%

24 Month 1.01%

30 Month 1.25%

36 Month 1.50%

48 Month 2.25%

60 Month
2.50%

37 Month Bump-Up Certificate** 1.37%

*3-month certificate is for MINORS ONLY with a minimum of $500.

Penalty will be imposed for early withdrawal. Disclosures available upon request. Rates are accurate as of 9/1/2010 and subject to change at any time. Contact Genfed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. *3-month certificate is for MINORS ONLY with a minimum of $500. Minimum balance to earn is $1,000 for share certificates. APY = annual percentage yield. **Available on new money only. Minimum deposit is $1,000. One rate increase can be requested and performed during the life of the certificate to a current standard rate. Bumps will be made to the rate available for the term closest to, but no greater than, the number of months remaining on the Bump-Up Certificate. Will roll over into S1 Share Savings account at maturity.

IRA Certificate Rates

Effective Date: 9/1/10

Term APY(Annual Percentage Yield)

12 Month 0.60%

18 Month 0.80%

24 Month 1.01%

30 Month 1.25%

36 Month 1.50%

48 Month 2.25%

60 Month
2.50%

Rates are accurate as of 9/1/2010 and subject to change at any time.

Penalty will be imposed for early withdrawal. Disclosures available upon request. Contact Genfed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. Minimum balance to earn is $1,000 for IRA. APY = annual percentage yield.

Savings Dividend Rates
Effective Date: 9/1/2010
Type	APY(Annual Percentage Yield)
Regular Savings and Clubs	0.25%
No Fee Money Market, $2,000 - $19,999.99	0.40%
No Fee Money Market, $20,000 and over	050%
No Fee Jumbo Money Market, $75,000.01 and over	0.75%
IRA Accumulator	0.40%
Certificate Accumulator	0.25%
Dividend Checking	0.25%
Health Savings Account, below $2,500	0.40%
Health Savings Account, $2,500 - $9,999	0.50%
Health Savings Account, $10,000 and over	1.25%
Annual percentage yield on regular savings is accurate as of the last declaration date of 7/1/2010. Other rates are as of 9/1/2010. 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. APY = annual percentage yield.

Share Certificate Rates
Effective Date: 9/1/2010
Term	APY(Annual Percentage Yield)
3 Month*	0.25%
6 Month	0.30%
9 Month	0.45%
12 Month	0.60%
18 Month	0.80%
24 Month	1.01%
30 Month	1.25%
36 Month	1.50%
48 Month	2.25%
60 Month	2.50%
37 Month Bump-Up Certificate**	1.37%
*3-month certificate is for MINORS ONLY with a minimum of $500.
Penalty will be imposed for early withdrawal. Disclosures available upon request. Rates are accurate as of 9/1/2010 and subject to change at any time. Contact Genfed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. 3-month certificate is for MINORS ONLY with a minimum of $500. Minimum balance to earn is $1,000 for share certificates. APY = annual percentage yield. *Available on new money only. Minimum deposit is $1,000. One rate increase can be requested and performed during the life of the certificate to a current standard rate. Bumps will be made to the rate available for the term closest to, but no greater than, the number of months remaining on the Bump-Up Certificate. Will roll over into S1 Share Savings account at maturity.

IRA Certificate Rates
Effective Date: 9/1/10
Term	APY(Annual Percentage Yield)
12 Month	0.60%
18 Month	0.80%
24 Month	1.01%
30 Month	1.25%
36 Month	1.50%
48 Month	2.25%
60 Month	2.50%
Rates are accurate as of 9/1/2010 and subject to change at any time.
Penalty will be imposed for early withdrawal. Disclosures available upon request. Contact Genfed staff for more information about current rates, terms and fees. Fees or early withdrawals could reduce earnings on certificates. We may offer different rates in the future. Minimum balance to earn is $1,000 for IRA. APY = annual percentage yield.