Holiday Special!
Maximum Loan Amount $3,000

Rates as follows:
            A+ - 5.99%
            A - 6.99%
            B - 7.99%
            C - 10.99%
            D - 15.99%.

Term - 12 Months Repayment
Loan Special Limited to One Per Member

ATTENTION MEMBERS: SHARE

INSURANCE HAS INCREASED

FROM $100,000 TO $250,000

UNTIL DECEMBER 31, 2009.

Share Rates

Share Rates - Paid Third Quarter 2008

Regular Shares	0.65%
Club Accounts	0.50%
Youth Accounts	0.50%

Certificate Rates - Effective 9/1/08

($1,000 Minimum)

6 Month Term	2.50%
12 Month Term	2.65%
18 Month Term	2.65%
2 Year Term	2.75%
3 Year Term	2.75%

Money Market Rates - 9/1/08

($2,500 Minimum-Dividends Paid Monthly)

$2,500 - $20,000	1.65%
Over $20,000	1.85%