Savings & Checking Accounts
	Dividend Rate	APY
Savings & Club Accounts	0.25%	0.25%
Checking Account*	0.00%	0.00%
Money Market Share Account
Tier Balance Interest Rate APY 1 LESS THAN $2,500.00 0.25% 0.25% 2 $2,500 TO $9,999.99 .75% .75% 3 $10,000.00 TO $24,999.99 .75% .75% 4 $25,000 TO $49,999,99 1.00% 1.00% 5 $50,000 TO $99,999.99 1.74% 1.75% 6 $100,000 PLUS 1.99% 2.00% Minimum withdrawal amount of $500.00 No Checks with limit of 6 withdrawals or transfers
Share Certificates** (Minimum Deposit $1,000.00)
	Dividend Rate	APY
Three-month	2.13%	2.15%
Special Five Month (New Funds Only/$100K Max)                                                     Six-month	2.97%   3.11%	3.00%   3.15%
One-year	3.21%	3.25%
Two-year	3.46%	3.51%
30 Month Step Up	3.46%	3.51%
Three-year	3.63%	3.69%
Four-year	3.84%	3.90%
Five-year	3.93%	4.00%
Step-up CD
	Rate	APY
30 Month**	3.46%	3.51%
**One-time step allowed during term Minimum deposit $1,000.00
IRA Savings Accounts (Traditional & Roth) Minimum Deposit $25
Account Balance	Dividend Rate	APY
$25 - $2,000	.75%	.75%
$2,001- $5,000	.90%	.90%
$5,001- $10,000	1.24%	1.25%
$10,001 and over	1.24%	1.25%
Coverdale Education Savings Accounts Minimum Deposit $25
Account Balance	Dividend Rate	APY
All balances	1.99%	2.00%

Rates effective December 23, 2008

APY = Annual Percentage Yield. Dividend Rates and Annual Percentage Yields may change monthly.

*Minimum balance to earn dividend - $1000

** The Annual Percentage Yield on Certificates is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. We will impose a penalty if you withdraw any of the principal before the maturity date. The amount of the early withdrawal penalty for Certificates with a maturity of one year or less is three months dividends. The amount of the early withdrawal penalty for Certificates with a maturity greater than one-year is equal to six months dividends.

***Funds must originate from another financial institution.